Intelligent system and method of payment, finance, and social commerce

ABSTRACT

A method, device, system, and computer program product relating to ecommerce, mcommerce, finance, community building, and social media is provided. A payment and social media commerce GobblinQ™ system provides substantial discounts and cash backs to users from merchants, manufacturers, and others. In an embodiment, a Merchant and/or Manufacturer can connect through the GobblinQ™ server to modify the database field regarding the amount of percentages payable and number of Gobbles™ available to Gobblers.

COPYRIGHT NOTICE

A portion of the disclosure of this patent document contains materialthat is subject to copyright protection. The copyright owner has noobjection to the facsimile reproduction by anyone of the patent documentor patent disclosure as it appears in the Patent and Trademark Office,patent file or records, but otherwise reserves all copyrightswhatsoever.

FIELD

A method, device, system, and computer program product that generallyrelates to ecommerce, mcommerce, finance, and social media; and moreparticularly relates to a payment method, device, system, and computerprogram product.

SUMMARY

Embodiments of the present invention provide for a novel ecommerce andcommunity building system, method, and computer program product.Embodiments of the present invention provide for a GobblinQ™ systemwhich provides substantial cash backs or other benefits to its users,i.e., Gobblers™. Such cash backs or other benefits can be adjusteddynamically or automatically by the Merchants based on minimum cash backpercentages payable to the Users set by GobblinQ™ and an amount of Tier2 Gobbles™ which can also be determined by the Merchant (not less than 3and not more than 5) for each Tier 1 Gobbles™ issued. The number ofGobbles™ issued and the Tiers will be determined by each Merchant and/orManufacturer based on its respective campaign, and the amount of cashback percentages payable by each Tier of Gobbles™. In an embodiment, aMerchant and/or Manufacturer can connect through the GobblinQ™ server tomodify the database field regarding the amount of percentages payableand number of Gobbles™ available to Gobblers after certain events.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 illustrates an embodiment of the present invention.

FIG. 2 illustrates an embodiment of the present invention.

FIG. 3 illustrates a purchase method 300 for a Gobble User using aGobble Card or Phone according to an example embodiment.

FIG. 4 illustrates a method 400 for registering a prospective User as aGobble User and/or providing a Gobble User with a Gobble Card accordingto an example embodiment.

FIG. 5 illustrates a method 500 by which a Merchant can register andpublish a campaign through GobblinQ according to an example embodiment.

FIG. 6 illustrates the structural relationship 600 between the tieredGobble System according to an example embodiment.

FIG. 7 illustrates an overview of the GobbleX matching algorithm 700between multiple Gobble Users according to an example embodiment.

FIG. 8 illustrates a method of propagation 800 of a Gobble campaign toprospective Gobble Users according to an example embodiment.

FIG. 9 illustrates an example form 900 that is populated by the Merchantwhen creating a Gobble campaign according to an example embodiment.

FIG. 10 illustrates an example form 1000 that is populated by a thirdparty or a conglomerate when creating an offer that implements Gobblecampaigns to target Gobble customers according to an example embodiment.

FIG. 11 illustrates a system 1100 level payments transaction as betweena User at a Merchant Location, the User's Bank, the GobblinQ Partner,and the GobbleX Database according to an example embodiment.

FIG. 12 illustrates a successful system level payments transaction asbetween a User at a Merchant Location, the Merchant's Bank, the GobblinQPartner, and the GobbleX Database according to an example embodiment.

FIG. 13A illustrates an example method 1300 for implementation of amultiple tiered Gobble offer for a specific Merchant having multiplecustomers who are Gobble Users according to an example embodiment.

FIG. 13B illustrates a continuation of the example method 1300,presented in part in FIG. 13A, for implementation of a multiple tieredGobble offer for a specific Merchant having multiple customers who areGobble Users according to an example embodiment.

FIG. 14 illustrates an embodiment of the present invention.

FIG. 15 illustrates an embodiment of the present invention.

FIG. 16 illustrates an embodiment of the present invention.

FIG. 17 illustrates an embodiment of the present invention.

FIG. 18 illustrates an embodiment of the present invention.

FIG. 19 illustrates an embodiment of the present invention.

FIG. 20 illustrates an embodiment of the present invention.

FIG. 21 illustrates an embodiment of the present invention.

FIG. 22 illustrates an embodiment of the present invention.

FIG. 23 illustrates an embodiment of the present invention.

FIG. 24 illustrates an embodiment of the present invention.

FIG. 25 illustrates an embodiment of the present invention.

FIG. 26 illustrates an embodiment of the present invention.

FIG. 27 illustrates an embodiment of the present invention.

FIG. 28 illustrates an embodiment of the present invention.

FIG. 29 illustrates an embodiment of the present invention.

DETAILED DESCRIPTION

Example embodiments of the present invention provide a payment method,device, system, and computer program product for ecommerce, mcommerce,finance, social commerce, and social media/community building.

Several example embodiments are described herein, but are not meant tolimit the scope of the invention. For example, a discussion of a certainpercentage cashback is meant for example purposes here.

An embodiment of the present invention provides for a GobblinQ™ system.That is, at a point-of-sale (POS), based on the availability of Gobbles,a Gobbler (i.e., a Gobble User) can receive an available Gobble™ throughthe GobblinQ™ system. In an embodiment, before and/or at the point ofsale, a Gobbler will be informed or notified if any Gobbles areavailable for a specific Merchant of interest to the Gobbler.

In embodiments of the present invention, payment can be made using anNFC (near field communication) transmitter and receiver or by physicalcard.

FIG. 1 illustrates an example GobblinQ™ structure according to anembodiment of the present invention.

FIG. 2 illustrates an example high-level representation of the GobbleX™or GI™ structure according to an embodiment of the present invention.The GobbleX Intelligence™ (“GI”) serves, for example, as the brain orcentral operating system of the system, method, and computer product andprocess. In an embodiment, the GI includes at least one database,application, API, and controller. A controller 202 is in communicationwith a database 201, a mobile/online app 203, and an API 204. Anypurchase made with a Gobble or via the GobbleX™ can be made whilepresent in store or online. The controller serves to control what datais pushed and pulled across the API, what information is obtained viathe application and stored in the database, and analyzes the informationand causes various events to occur as explained herein through exampleembodiments. Further, the GI keeps track of such events, userinformation and user information updates in order to create an AI system(artificial intelligence). This continual re-feeding of information anduser/merchant behavior allows for a more directed marketing function,social media connection (e.g., as described in the “Partners” exampleembodiments below), and improved user experience. The controlleraccesses and causes the execution of the various algorithms provided bythe GI. Such algorithms include, but are not limited to, lifestylealgorithm, user to merchant relationship algorithm, merchant to userrelationship algorithm, user to user algorithm, user to possible partneralgorithm, and partner to partner algorithm. In embodiments, the GIserves essentially as a matchmaker between user to user, user tomerchant, and/or merchant to user. Such system as the (“GI”) in additioncan also be used with manufacturers creating therefore a direct linkbetween the manufacturers and their customers and providing specificconsumer data which can be used in numerous ways to the advantage ofboth Manufacturers and Users alike.

In the GI, a security module is provided which provides for encryptionof user and merchant data, as well as secure connection with any bank orcredit card entity. In the GI, an account deletion module is provided toeither delete a user and/or merchant account, or to disable use of suchaccount information. In the GI, the at least one app provides fordifferent views to the user and/or merchant and/or other entity. Thecontroller accesses the data from the at least one database and providessuch information to the app to present different views to the user.

In an embodiment, the GI communicates with the user via electronic ordigital means, e.g., SMS, email, push notifications, mobile appinterfaces, IM messaging, telephone, or simply via the App, or whichlike Facebook/Twitter/Other is connected to mobile phone and or computerof the user, etc. In an embodiment, the transactional data and userpersonal data are kept in one of the same or different storagelocations.

In an embodiment, the GI handles user/merchant/bank entity's:registration, notifications, cash backs, campaigns, user's preferences,user's specific requests, policies, user's profiles, user's life style,locations, purchase activity and history, etc. The GI is a system thatcan operate in the cloud, or serve as a local system. Further, the GIcan be accessed via a mobile or handheld processor connected to anetwork, or via online, desktop processor.

In the GI, a user, hereinafter referred also as Gobble User and Gobbler,is registered and all user-related activity is stored in a database. Thedatabase can be one or more databases, stored on one or more securedsystems, and can be located on the same physical location or may bedispersed over a network of interconnected servers. Informationregarding the user can include, but is not limited to, credit cardinformation, checking account information, temporary and permanentlocation information, email address, purchase activity and history(e.g., every transaction, every Gobble used or distributed,date/time/purchase amount/merchant, purchase items, etc.), preferences,friends, Partners, requirements, restrictions, status of account,product preferences, user's requests, services used and/or of interest,etc. The GI keeps track of merchants, manufacturers, retailers, andothers offering the Gobbles. Such information can include the merchant'scontact information, Gobbles promotions and deals, type of productscarried in store, merchant's thresholds regarding advertisements ofpromotions, available Gobbles in each location, type of Gobbles withrespective cash back amounts (appreciating the advertising philosophy ofthe store), etc. The GI also keeps track of and controls access to anduse of other data such as GPS locations of users and merchants, cashbackincentives run by other systems in an effort to update marketingcampaign opportunities (e.g., cashbacks, exchanges, etc.) to merchants,other expenditures made possible by access through user, merchant,credit card or bank check card or purchase card entity.

In an embodiment, to match merchants (deals, offers) to users we wouldcompare profiles and user's requirements to determine probability ofpurchase (PoP). We would first look for profiles that have purchasedfrom that merchant in the past and then do a deep dive into theirprofile. We would find similarities (preferences, requests, purchasehistory, age, gender, lifestyle, location, and more—these would beweighted and their relationships evaluated. Weighting will self-evolve)among all those who have converted in the past to create our Influencerprofile base (the algorithm to determine that will get complex and everevolving—self learning). We will then compare the profile of the user toeach merchant's (or their offer). If it match score is over a certainthreshold, say 0.8, we show the offer. For example,Influencer×Delta=PoP.

In an embodiment, an algorithm is provided to associate a user'sproducts purchased, Gobbles used and/or Gobbles initially accepted inorder to determine what type of products would be of interest to theuser. For example, for a user having purchased from a specific merchantat a frequency x, then advertisements and/or Gobbles will be promoted tothe user, by providing “intelligence” about best available cash backs onsimilar stores selling similar products. This algorithm will also“consider” User's purchases, User's preferences, and the systems “GI”shall also ask to the User after a purchase is made, to specify what waspurchased specifically in order for the “GI” to better identify dealswith cash back gobbles targeting User's needs or even specificrequirements, and/or suggests partners to build communities. A systemadministrator or any merchant can determine the threshold of thefrequency when taking a chance on whether or not to promote certainGobbles. For example, if a user purchases at least $500 from a merchanteach month of a year, an advertisement or Gobble for a cash back (whichcan be substantially superior to others, based on User'sattendance/spending at such Merchant which could be a chain of stores)at that merchant and similar type merchants can be pushed to the user,based on the specific purchases made and preferences/needs of Useravailable to the “GI”. In addition If a User's has not been visiting themerchant for a Period of time, the “GI” will notify User with an“invitation Gobble” based on a cash back “predetermined” by the Merchantin its Gobbles campaign. The amount of cash backs and TIER TYPE ofGobbles, as well as the amount of months of absence of the User atmerchant location in order to be granted an “Invitation Gobble” shall be“predetermined” by the merchant in its Gobbles campaign. However, adirected Gobble for a specific type of product or brand that is carriedby that Merchant might not be pushed to the user since the possibilityof it being relevant to the user is low, unless predetermined by the“GI” according to User's preferences and or specific requests. User'spreferences can be determined by the “GI” based on specific requestsposted by the User on the “GI” (which can be updated on the “GI” by Userat any time) or determined by the “GI” algorithm as defined above, basedon User's life style, expenditures, locations, requests and orpreferences of the User. Or, for example, if a user purchases at least$30 a week from a coffee shop that offers limited items, then the systemwill more likely push advertisement or Gobble notifications regardingspecific coffee products and that store to the user. A user'spre-indicated preferences are taken into account and given a heavierweighting in such advertising/Gobbles push notifications to a user.Further, for example, after use or determined non-use of a Gobbles, theGI can send a request for update of preferences from the user toindicate why and/or what the Gobble was or was not used for by the user.In an embodiment, Gobbles placements are made automatically, (unless,for example, in an embodiment, placed by the Gobble user to Partners andor Friends), by the GI based on a queue at the POS (point of sale=whenthe user is checking out at the Merchant in person or online). On anyGobble placed directly by User and not claimed, it will after a presettime go back to the “GI” for placement through the “GI” matchingalgorism and or on a queue at the POS (method determined by the GI basedon demand/activity). This continual update of preferences by both theuser's activity and by the user's input creates a more directed anduseful system for the user and the merchant. Merchant to user matching,user to merchant matching and user to user matching will factor in theuser's purchasing activity and preferences and will weight userpurchases over all else. Other factors used will include ‘likes’ fromother social media platforms (such as Facebook) and Friend purchases.

In an embodiment, a Gobble user spends $100 at any merchants. The GImatches the user with another user who also purchases at the samemerchant. In an embodiment, the GI matches the Gobble user with otherusers who do not shop at the same merchant but share one or morepreferences and/or have a related request. In these instances,cross-marketing is accomplished by the Merchants in reaching a largeraudience than just its current shopper-base. Further, in theseinstances, the Gobble user is provided additional opportunities andcapabilities for obtaining greater cashbacks and other discounts onproducts and/or services. Further, in these instances, the Gobble useris provided with products and/or services requested (i.e., “requests”)by the Gobble user and better cashback “sharing” opportunities, based onthe Gobbles tier/type, price, and product/service requested by theGobble user. Such requests by a Gobble user are defined in the user'spreferences, product/service requests, and/or purchase history, saved ina location associated with the Gobble user's profile and/oridentification. For example, such requests are also defined by theGobble user's preferences, product/service requests, and/or purchasehistory and at least one of the following factors of: a similarfrequency, a similar purchase amount, a similar preferences or requests,and/or similar purchases made based on information requested by the “GI”to the USER and or provided by the User to the “GI” after the purchasein order for the “GI” to better target the Gobble user's needs in thefuture and provide greater cash backs and or discounts to the Gobbleuser, including, e.g., a similar geographical location, etc. Suchsimilarities are given a weighting when the GI looks to see whom to“introduce Partners” to each other via Gobble notifications and/orconnections as possible Partners, as well as used by merchants to targettype of customers and rate them based on credibility status, among otherthings. In an embodiment, the Gobble user is asked to rate the user'sexperience at and interest in any Merchant. This feedback from theGobble user is then at least one of updates the stored user'spreferences, and provides a weighting in the GI algorithm(s) for Gobblenotifications, Partner introductions, etc. As a user provides moreinformation to the GI, then the Gobble user receives more directed,i.e., better, results from the GI in the form of more directed Gobblesand marketing campaigns that would be of interest to the user. As amerchant provides more information to the GI, then the merchant willreceive better results from the GI in the form of users who areinterested in the merchant's products, better price for the productand/or service, better cask backs, and better tier/type of gobbles(sharing cash backs mechanism) as issued by each merchant based onmerchant's predetermined campaign with the “GI”, etc. Such informationfrom a merchant can be information regarding users past purchased itemsfrom the merchant, products offered by the merchant, etc. And, as thisinformation is continually fed back into the GI, the algorithms willprovide more intelligent solutions.

In an embodiment, cross marketing and/or cross selling is available tomerchants via the marketing campaigns employed and/or the variousrelationships (merchant to user, partner to partner, user to merchant,etc.).

In an embodiment, the GI provides intelligence to the Merchant based ona Gobble user's preferences, specific requests, status/credibility, pastpurchases at Merchant or similar type of Merchant, lifestyle,requirements, frequency of attendance at Merchant's store, etc.

In an embodiment, a predetermined, i.e., set, campaign can be preset bya Merchant on GobblinQ™ via the GobbleX™ (“GI”). The Merchant can inviteback “inactive shopper” users with invitation Gobbles. The Merchant willdefine whether the Gobbles are Tier 1/Tier 2/Tier 3. The Merchant willdefine the specific cashbacks associated with the Tiers, and the numberof Gobbles available. For example, the specific cashback will not beless than as defined by the GobblinQ™ system threshold for each specificindustry.

In an embodiment, the Gobbles are placed automatically by the GI™ usingthe algorithm(s) defined by lifestyle, expenditures, preferences, pastpurchases, location, requests, etc. In an embodiment, Gobbles are placedby the GI automatically in a queue at the point of sale (POS) or by theGI based on the above mentioned algorithm(s) (based on demand, since theGI's™ intelligence and service primary task is to create wealth for theusers and new and/or repeat business for the merchant), or by the Gobbleuser to his/her friends and/or partners on GobblinQ.

In an embodiment, any Gobbles made available by a user/merchant/GobbleXcan be placed by the GI automatically in a queue at the POS or by the GIbased on the above mentioned algorithms or by the user to his/herfriends and/or partners on GobblinQ. In an embodiment, any Gobblesplaced but not claimed by a third party within a preset time will beautomatically placed by the GI in a queue at the POS or sent to otheruser(s) based on the intelligence of the GI and depending upon theactivity level and demand.

In an embodiment, cashbacks and discounts can both be made available forobtainment via the GobblinQ system. In an embodiment, the GobblinQsystem will create wealth among its users by providing substantialcashbacks, discount deals, and targeted, specific intelligence to bothGobble users and Merchants and Manufacturers or other entity involved inthe system. In an embodiment, an extended payment option is provided inwhich a Gobble user is provided credit with no interest on purchases viaGobblinQ over a period of up to 18 months (or other period of time,depending upon the marketing campaign, requests by user, etc.). TheGobblinQ system can develop a rating system for each Gobble user basedon the user's history of payment.

In an embodiment, Gobble user buys a Louis Vuitton bag for $800. TheGobble user's rating on GobblinQ is A+, thus, no need to pay at least upto 50% upfront of the $800, depending upon the Gobble user's rating andcredibility. In an embodiment, the Gobble user decides the monthlypayment installments with no interest. For example, the user would pay$80 over 10 months via GobblinQ. In an embodiment, the Gobble userreceives Tier 2 and Tier 3 gobbles, depending upon the merchant'scampaign, and any cashbacks will be released to the user upon fulfillingpayment installments. Merchant shall have the opportunity to rate useron GobblinQ™.

In an embodiment, the “GI” Intelligence is determined by variousalgorithms based some of the following components, rated from 1 to 7(with 1 being weighted more in the relationship):

User's

1. Requests

2. Location/s (Locations can also be preset by user to the GI)3. Preferences and/or Specific Request

4. Purchases 5. Lifestyle

6. Financial status (e.g., does user need an Extended Payment Option)

7. Rating

In an embodiment, the GI intelligence is built by the continual receiptof data regarding user preferences, locations, lifestyle, specificrequests of the user, needs of the user, purchases, which can also bedetermined by the GI. In an embodiment, a user is questioned by the GIUI (user interface) regarding the user's preferences and requests.

In an embodiment, various algorithms are developed to address thesituation of when a Gobble is sent and to whom, if sent before a POSmoment. For example, in the situation that Entity X requests Handbag A,but is in another state, prefers handbag, and buys handbags, thatgarners the following relationship:

5Request+3Location+4Preferences+3 Purchases=relative ranking

5x1+3x0+4x1+3x1=12 relative ranking for Entity X

Entity Y does not request Handbag A, but is nearby, prefers handbag, andbuys handbags, so that garners the following relationship:5x0+3x1+4x1+3x1=10 relative ranking for Entity Y. The ranking of EntityX was 12 which is greater than the Entity Y ranking of 10. Accordingly,in this situation, Entity X would get first chance to accept the Gobble.However, if upon the time limit that Entity X has not accepted or usedthe Gobble, then the Gobble is returned to the GI or whomever sent theGobble, and the next in the queue. Using a computer and multipledatabases of information, additional data can be taken intoconsideration. And, as the system gains more information regardingpreferences, requests, locations, and other factors, the ranking systemwill become more sensitive to all of those factors, and so the aboverelationship can change in weighting and the various additional types offactors taken into consideration according to the incoming data overtime.

In an embodiment, the user can post on the GI or on a user's partnercommunity on GobblinQ as pictures of items/services/other purchasedrequested.

In an embodiment, if at the POS there are no Tier 1 gobbles, then theuser shall receive a gobble invitation (e.g. Tier 1 or tier 2) from amerchant provided by the GI based on the user's preferences and/orrequests and/or lifestyle, etc. In an embodiment, each time a user makesa purchase, the user gets cashbacks and if receiving cashbacks on a Tier2 gobble, then the user also received a gobble from another merchantbased on preferences, requests, and/or lifestyle, location of user, etc.This allows for further cross marketing and allowing a user to have amore directed marketing campaign targeted. This can also occur in thesituation where at the POS there are no gobbles available.

In an embodiment, the GI provides a Gobble to a Gobble user based on theuser's requests, preferences, lifestyle, location, status, and rating.

In an embodiment, the GI places Gobbles with users in order to generatesales for a merchant and/or build profit for a user. For example,placing Gobbles by the GI will be based on requests and availabilitywith the queue at a point of sale (POS). In an embodiment, the GI worksby placing Gobbles. In an embodiment, a merchant can invite absenteecustomers by inviting them back with a Gobble which represents cashback.In an embodiment, a merchant or any Gobble user can initialize acampaign or Legion Buying Splash™ event. In an embodiment, GobblinQ™will inform user of participating merchants and dates for Legion BuyingSplash events launched by user/s or to join by user/s in locations ofuser/s or in other locations as requested by user/s.

In an embodiment, the GI works by placing Gobbles, whether in a queue ata merchant or placed to a user based on the factors described herein(e.g., preferences, requests, lifestyle). In an embodiment, a merchantcan invite absentee customers (e.g., as set in its campaign onGobblinQ™) by inviting them back with a gobble which will represent acashback and/or great deals.

AI components of the present invention are provided by the informationobtained and then fed back into the GobbleX regarding preferences,locations, lifestyle, specific requests of user, specific needs of user,purchases, purchase frequency, etc. This information could also be basedon answers provided by the Gobble user to GobblinQ™ requests regardingwhat product was purchased in each instance by the Gobble user in orderto provide more directed Gobbles for the user, and better target Gobbleusers' needs.

In an embodiment, a Legion Buying Splash event can be launched by a useror merchant, and one can join/be invited based on user needs and/orrequests.

In an embodiment, GobblinQ™ offers substantial cash backs among otherproprietary and valuable things provided by the GI. Such cash backs canbe adjusted by the Merchants based on minimum cash back percentagespayable to the Users set by GobblinQ™ and an amount of Tier 2 Gobbles™which can also be determined by the Merchant (not less than 3 and notmore than 5) for each Tier 1. Gobble™ issues. The amount of Gobbles canbe determined by each Merchant and or Manufacturer based on itscampaign, as well as the amount of cash back percentages payable by eachTier of Gobbles™

In an embodiment, GobblinQ™ will set the minimum amount of percentagespayable to Users but each Merchant and or Manufacturer shall have theability to put what ever greater amount based on its needs. In anembodiment, the amount of gobbles issued by Merchants for any Tier isnot limited or set. And, the percentages of cash backs that each Gobble™shall offer, other than Pre-Set “only’ the “Minimum amount” in order toaccept a Merchant/Manufacturer in GobblinQ™ is not limited.

In an embodiment, each industry sees a “branded and tailored” type ofGobblinQ™ which offerings and service is tailored specifically for eachindustry based on the industry requirements and parameters.

For example, Fashion may pay cash backs up to 70% while “energy” mostlikely may not exceed 10% or 15%.

In an embodiment, the present invention can be used for any industry ormerchant and the percentages shall be modifiable by themerchant/GI/other entity.

FIG. 1 illustrates an example high-level representation of the GobblinQ™system. A Gobble user 101 is approached with a Gobble specific 102 tothe Merchant 104 at the point of sale 103 (online or in store). Anypurchase can be made in store or online.

FIG. 2 illustrates an example high-level representation of the GobbleX™structure, where a controller 202 is in communication with a database201, a mobile/online app 203, and an API 204. Any purchase can be madewhen present in the store or online.

FIG. 3 illustrates a purchase embodiment 300 for a Gobble User using aGobble Card or Phone via NFC technology (near field communications).According to the method, at step 302, a Gobble User makes a purchase ata participating merchant using the Gobble Card or mobile device. At step304, it is queried as to whether or not the Gobble User has availableGobble(s) or receives automatically at the point of sale Gobble(s) forthe particular location where the purchase is being made. If the GobbleUser does have or receives automatically a Gobble for the particularlocation, then the embodiment proceeds to step 306. If the Gobble Userdoes not have and does not receive automatically a Gobble for theparticular location, then the embodiment proceeds to step 316.Accordingly, a Gobble User that does have a Gobble for the particularlocation, under step 306 uses the Gobble and credit on the purchase isprovided in the form of cashback that is deposited directly into theGobble User's GobblinQ account. In an example embodiment, a GobbleUser's Gobble Card classifies the Gobble User as at least one of thefollowing: a Tier 1 Gobble User (item 324), a Tier 2 Gobble User (item326), and a Tier 3 Gobble User (item 328). A Tier 1 Gobble User receives10% cashback benefits plus 5% cashback on any Tier 2 Gobble placed bythe GI or directly to any third party, a Tier 2 Gobble User receives 15%cashback benefits, and a Tier 3 Gobble User receives 25% cashbackbenefits. Although a specific example is described herein, the values ofcashback benefits can be implemented in a variety of tiered structuresmodeled on certain industries in accordance with the above describedmethod within the knowledge of one of ordinary skill in the art.

In an example embodiment, a queue is established by the GI when all Tier1 Gobbles have been taken. That is, the GI keeps track of which usershave requested a Tier 1 Gobble or could have used a Tier 1 Gobble at thepoint of sale. Tier 1 Gobbles are released by users who choose to notuse them, or released by the GI because their “time to use” by aspecific Gobble user expired, or additional Gobbles are released by theMerchant as per a preexisting planned event or per the Merchantaddressing the demand. The GI keeps track of all users and theirrequests for Tier 1/Tier 2/Tier 3 or any other level Gobble. Further,the GI can place Gobbles™ through its “intelligence” depending on whatis more efficient or based on demand.

In an example embodiment of a tiered Gobble campaign structure, amerchant can choose how many Gobbles of Tier 1, Tier 2, and anysubsequent Tiers to release in the campaign. In an example embodiment, aMerchant can set up his campaign with a minimum of 3 and up to 5 Tier 2Gobbles for each Gobble issued. In an example embodiment, a Merchantsets up a campaign to release 10 Tier 1 Gobbles, and for every Tier 1Gobble, three Tier 2 Gobbles will be released. Gobble user X spends $100at a Merchant. At the point of sale (POS), the Merchant alerts Gobbleuser X that a Tier 1 Gobble is available. Alternatively or in addition,the Gobble user X is notified by the GI that a Tier 1 Gobble isavailable. The Tier 1 Gobble provides for a 10% discount. Gobble user Xreceives the discount, hence a $10 credit since the purchase alreadytook place immediately prior to the Tier 1 Gobble being released. Thiseffectively $10 discount can be provided by the merchant directly toGobble user X (depending upon how the campaign was set up) or this $10discount will be credited back to Gobble user X's GobblinQ™ account. Inan embodiment, Gobble user X is notified electronically (via the app,SMS, email, other) of the discount and credit to the GobblinQ™ accountof Gobble user X. Further, Gobble user X is notified by the GI™ that theGobble user now has received three Tier 2 Gobbles™.

In an embodiment, upon the GI™ placing the Tier 2 Gobbles™ at the pointof sale in a queue, or by the GI™ intelligence based on demand, Gobbleuser X receives a preset cash back, e.g., 5% cashback, for each Tier 2Gobble™ placed by the GI™ and used by a Gobbler™ as follows:

Gobble user X uses one Tier 1 Gobble. The GI had a preset of three Tier2 Gobbles for every Tier 1 Gobble. Here, Tier 1 Gobble provides a 10%discount on merchandise X. Tier 2 Gobble provides a 15% discount onmerchandise for the user of the Tier 2 Gobble and a 5% cashback for theuser of the Tier 1 Gobble that effectively spawned, or caused it to bereleased, the Tier 2 Gobble.

For example, Gobbler X uses Tier 1 Gobble™ and gets 10% discount on her$100 purchase. Effectively, Gobbler X gets $10 back (e.g., on GobblinQ™account or other way). Three Tier 2 Gobbles are now available.

Gobbler™ X gives Gobbler™ Y a Tier 2 Gobble™ via GobblinQ™ Gobbler Ygets a discount of 15% using the Tier 2 Gobble™ on her purchase. Forexample, Gobbler Y spends $100 and gets effectively a $15 discount. Uponusage of the Tier 2 Gobble, Gobbler X benefited by getting 5% cashback,which is effectively $5. Further, Gobbler X can decide to keep one ormore of the Tier 2 Gobbles and get both the discount and the cashback.

Accordingly, following the above example, Gobbler X could benefit:

Gobbler X spent $100, got $10 credit with Tier 1 Gobble.

Gobbler Y spent $100, got $15 credit with Tier 2 Gobble. Gobbler X got$5 cashback.

Gobbler Z spent $100, got $15 credit with Tier 2 Gobble. Gobbler X got$5 cashback.

Gobbler M spent $100, got $15 credit with Tier 2 Gobble. Gobbler X got$5 cashback.

In tallying, Gobbler X received a $10 credit plus $15 cashback. GobblerY received a $15 credit. Gobbler Z received a $15 credit. Gobbler Mreceived a $15 credit.

If Gobbler X kept one of the Tier 2 Gobbles to use, and spent $100 usingthe Tier 2 Gobble, then Gobbler X would have 15% discount ($15) and $5cashback.

Then, in tallying, Gobbler X received $25 credit plus $10 cashback.Gobbler Y received a $15 credit. Gobbler X received a $15 credit.

In a further embodiment, once all three (or however many are released)of the Tier 2 Gobbles™ have been used, a Tier 3 Gobble™ is released toGobbler X providing an additional discount and/or cashback available forGobbler X.

Each of the Tier 1, Tier 2, et al. Gobbles represents at least one of adiscount, a cashback, and the like. In an embodiment, the discounts,cashbacks, and the like are preset by a Manager or other entity. In anembodiment, the controller of the system sets and/or decides thediscounts, cashbacks etc. In an alternative embodiment, the discounts,cashbacks, and the like are set by an entity as they are released inorder to account for, e.g., current demand, market, drive up demand,etc.

In an example embodiment, the GI™ helps the Gobbler™ build his/hercommunity of Partners based on numerous intelligence factors below(e.g., user request, user preferences, user lifestyle, etc.) and usingthose factors to place Tier 2 and Tier 3 Gobble™.

Embodiments of the present invention provide for mechanisms for sharingprofit.

In an example embodiment of a tiered Gobble campaign structure, step 308is implemented for Gobble Users subscribed to a Tier 1 Gobble. A GobbleUser subscribed to a Tier 2 Gobble instead, or in addition to step 306,would be provided an option of proceeding to at least one of steps 308,310, and 312. In step 308, the Gobble User subscribed to a Tier 2 Gobblekeeps one. In step 310, the Gobble User subscribed to a Tier 2 Gobblesends one to a Gobble Partner. In step 312, the Gobble User subscribedto a Tier 2 Gobble lets one go to the GobbleX, meaning that allremaining go back to the GobblinQ community. If the Gobble User does nothave a Gobble for the particular location, then the method proceeds tostep 314 and the Gobble User makes a purchase at the participatingmerchant using the Gobble Card or via phone (NFC technology, barcode, QRcode (quick response code), et al.). In a following step, step 316, itis checked whether the Gobble User qualifies for any Gobbles. If no,then the Gobble User is not provided with any cashback according to step318. (In an embodiment, the GI™ provides a Gobble invitation (Tier 1 orTier 2, etc.) depending upon the merchant describing cash backsgenerated by another merchant based on the profile of a Gobble user.) Ifyes, then the system auto claims the Gobble and credits the cashbackamount to the Gobble User's GobblinQ account according to step 320 if heis a Tier 1 Gobble. Following the crediting of the cashback, the GobbleUser is notified of the auto-claim and crediting in step 322. A GobbleUser that is a Tier 2 Gobble could instead, or in addition to step 320,be provided with an option of proceeding to at least one of steps 308,310, and 312.

In an embodiment, the merchant determines how many Tier 1 Gobbles can beavailable and issued for a marketing campaign. At the point of sale,users receive Tier 1 Gobbles until they are all used. Then, in a queue,at the point of sale, users receive Tier 2 Gobbles. Or, a Gobble usercan receive a Tier 2 Gobble from the GobbleX based on suggestion orinvitation.

In an example embodiment of a tiered Gobble campaign structure, step 308is implemented for Gobble Users subscribed to a Tier 1 Gobble. A GobbleUser receives a Tier 1 Gobble at the point of sale automatically orreceived the Tier 1 Gobble earlier from the GobbleX™. Upon using theTier 1 Gobble, the Gobble user—depending upon the marketing campaign setby the Merchant—receives one or more (e.g., 3 or 4 or 5 Tier 2 Gobbles)Tier 2 Gobbles to disperse, of which the Gobble user can keep one ormore. The Merchant or GI or other entity can set restriction to allowthe Gobble user allowance to use up to one Tier 2 Gobble™ or none Tier 2Gobbles™. The Gobble user can direct the Tier 2 Gobbles to friends,partners, and/or specific person. Or, the Gobble user can return one ormore of the Tier 2 Gobbles to the GobbleX. The GobbleX can then dispersethe Tier 2 Gobbles or discard the Tier 2 Gobbles. In step 308, theGobble user obtained a Tier 2 Gobble keeps one, for example. In step310, for example, the Tier 1 using Gobble user sends a Tier 2 Gobble toa Gobble Partner. In step 312, the Gobble User subscribed to a Tier 2Gobble lets one go to the GobbleX, meaning that all remaining go back tothe GobblinQ community, assuming, for example, that the user wanted tosend a Gobble to a Friend/Partner/other. If the Gobble User does nothave a Gobble for the particular location, then the method proceeds tostep 314 and the Gobble User makes a purchase at the participatingmerchant using the Gobble Card or by mobile device (NFC). In a followingstep, step 316, it is checked whether the Gobble User qualifies for anyGobbles. In an embodiment, there is no qualification requirement. TheGobbleX will inform prior upon the Gobble user asking regarding how manyTier 1, Tier 2, and Tier 3 Gobbles are available at a point of sale. Or,for example, a Gobble user at the point of sale can just receive Tier 1or Tier 2 Gobble based on availability. In an embodiment, upon the useof a Tier 2 Gobble, the Tier 1 Gobble user that generated the Tier 2Gobble is notified regarding use by GobbleX™. If no, then the GobbleUser is not provided with any cashback according to step 318, butreceives from the GI™ an invitation Gobble from another merchant basedon the profile of the user or requests by the user for a specificitem/service. For example, this can happen if there are no Gobblesavailable upon making a purchase. In an embodiment, a Gobble user canreserve a Gobble for a short period of time and be notified by theGobbleX™ about the amount and type of Gobbles available at a certainlocation. If yes, then the system auto claims the Gobble and credits thecashback amount to the Gobble User's GobblinQ account according to step320 if he is a Tier 1 Gobble. Following the crediting of the cashback,the Gobble User is notified of the auto-claim and crediting in step 322.A Gobble User that is a Tier 2 Gobble could instead, or in addition tostep 320, be provided with an option of proceeding to at least one ofsteps 308, 310, and 312.

In an embodiment, Gobbler X purchases $100 from Merchant X. At the pointof sale, Merchant X or Gobbler X's smartphone or another devicecommunicates to Gobbler X that a Gobble representing a 10% discount isavailable. Gobbler X accepts the offer and receives the $10 credit onGobbler X's GobblinQ payment card. On the backend of this transaction,upon acceptance of the 10% discount, the transaction hits the bankassociated with Gobbler X's account. The Gobble has a unique identifier.The Merchant also has a unique identifier. And, Gobbler X has a uniqueidentifier. The bank uses the unique identifiers of at least one of theMerchant, Gobble, and Gobbler X, in order to determine what discountshould be placed in what account. The Merchant's unique identifier canbe included in the Merchant's access to the GobbleX upon the POS. Or theMerchant's unique identifier can be included in the information(including the unique identifier of the Gobble) of the Gobble. GobblerX's unique identifier can be obtained from Gobbler X's GobblinQ™ paymentcard or from Gobbler X's GobblinQ™ membership or identification card orGobbler X's smartphone (e.g., using barcode technology, imagetechnology, NFC technology, etc.). This card can be a chip card,magnetic swipe card, image card, an electronic file, and/or a printedcard. At least one or more of the unique identifier codes are thentransmitted by the computer server of the Merchant to the Bank orpayment entity which then resolves which identifier belongs to whichinformation via a lookup table or other mechanism. In an embodiment, theresulting information is sent to the GobbleX™ controller for informationand maintenance purposes.

FIG. 4 illustrates a method 400 for registering a prospective User as aGobble User and/or providing a Gobble User with a Gobble Card. Accordingto a first step of the method, a Gobble User downloads an applicationassociated with GobblinQ to a device in step 402. A device hosting theapplication can be any device having a processor and a User interface,such as a tablet, a smartphone, a mobile device, a personal computer,and any other similar device. Following the download of the application,the method determines whether or not the Gobble User has a GobblinQaccount in step 404. If the Gobble User does not have a GobblinQaccount, then according to step 406 the Gobble User is prompted toregister a sort of identifying criteria. According to an exampleembodiment, the Gobble User could register to a GobblinQ account byproviding information via at least one of an email account, a Facebookaccount, a Twitter account, a LinkedIn account, or an account hosted byanother social media website.

After having registered, the Gobble User is provided in step 408 with aGobble Card Number. A Gobble Card number is generated and a virtual cardis created which is made available to the registered Gobble User. TheGobble Card number is, at this particular point in time, eligible to beused online or over the phone. Following the provision of the GobbleCard Number, the method requests that the Gobble User identify whetheror not a physical Gobble Card should be manufactured and supplied to theGobble User, according to step 410. If the Gobble User does not want aphysical Gobble Card, no physical Gobble Card is generated and theGobble User still maintains the Gobble Card Number. If the Gobble Userdoes identify an interest in a physical Gobble card, then according tostep 412, one of a Bank account and a credit card is attached to theGobblinQ account for the Gobble User. Following the attempted linking ofaccounts, it is determined in step 414 whether the Bank account providedhas verifiably been determined to have funds. If not, then step 412 isreinitiated and the Gobble User is presented with an opportunity toidentify a different one of a Bank account or a credit card to link tothe GobblinQ account. If the Bank account provided has verifiably beendetermined to have funds, then according to step 416, GobblinQ processesthe request and the linking of the accounts, and then proceeds to mail aphysical Gobble Card to the Gobble User.

If the result of the step 404 determination is that the Gobble User doeshave a GobblinQ account, then the User is prompted in step 418 to loginto at least one of a Facebook account, a Twitter account, a LinkedInaccount, or an account hosted by another social media website. Followingthe logging into the social media account, the User is promptedaccording to step 420 to identify whether or not the Gobble User has aphysical Gobble Card. If the Gobble User identifies that he does nothave a physical Gobble Card, then the method proceeds according to step410 and requests that the Gobble User identify whether or not a physicalGobble Card should be manufactured and supplied to the Gobble User.

FIG. 5 illustrates a method 500 by which a Merchant can register andpublish a campaign through GobblinQ. An interested Merchant in step 502views the GobblinQ website. According to a step 504, the websiterequests that the Merchant identify whether or not the Merchant wouldlike to commit to register the Merchant's business with GobblinQ. If theMerchant responds in the negative to step 504, the GobblinQ websiteprovides the Merchant in step 506 with options to request moreinformation regarding GobblinQ or a demonstration of GobblinQ. If theMerchant responds in the affirmative to step 504, the GobblinQ websiterequests that the Merchant in step 508 identify company features tocomplete a registration process. In an example embodiment, registeringthe Merchant's company includes providing company identifyinginformation (e.g., address, contact information, payment details).Following a successful registration process, the GobblinQ website instep 510 requests that the Merchant identify whether the Merchant'sbusiness has multiple locations. If the Merchant business has multiplelocations the method proceeds according to step 512 and adds, in turn,each of the Merchant's different locations. Following adding thelocations to the Merchant profile, the method proceeds according to step514. If the Merchant business has a single location the method proceedsdirectly to step 514.

In step 514, GobblinQ website requests that the Merchant set thecampaign parameters. In an example embodiment, the campaign parameterscan be one of setting the campaign benefits for Gobble Users to one ofa: Tier 1 Gobbles, Tier 2 Gobbles, and Tier 3 Gobbles. If the Merchanthas added multiple locations to the Merchant profile, the Merchant iseligible during step 514 to select different Gobble campaigns for eachof the individual locations, or on a global basis. Following selectionof the campaign parameters, the Merchant is provided in step 516 with anoption to target Gobble campaigns at specific groups of Users. If theMerchant elects to target specific groups, in step 518 the Merchant isable to setup campaign targets. In an example embodiment, campaigntargets are identified by one of a gender, age, interest, occupation,region, or another User-identified or regional demographic. Followingstep 518, or in the event that the Merchant elected to not target Gobblecampaigns, the method proceeds according to step 520. In step 520,GobblinQ publishes the campaign on behalf of the Merchant. According toan example embodiment, the Merchant is provided with a final opportunityto review and make changes to the campaign prior to the publication ofthe campaign by GobblinQ. In an embodiment, the merchant has the abilityto review, adjust, and/or change a Gobble™ campaign dynamically,manually, and at any time. In an embodiment, if a merchant changes the“rules” of the Gobbles in a specific campaign, any already issued Gobbleof any tier will be honored.

Following publication of the campaign, the Merchant can at any pointproceed according to step 522 and determine whether or not one of thecampaign's Gobbles was used or according to step 524 and determine howthe campaign is performing. If the Merchant proceeds according to step524, the Merchant can view campaign reports in step 526. If the Merchantproceeds according to step 522, the Merchant is provided with an optionto calculate the cashback amount based on the Gobble tier and thepurchase amount by the Gobble User in step 528. Upon the Merchantexecuting the calculation option in step 528, the method then proceedsaccording to step 530 and charges the merchant the cashback amount plusa transaction fee. In step 532, the Merchant deposits an amount to theGobblinQ Account In an embodiment, any cash paid by merchant to GobblinQshall take place immediately automatically upon each transaction, andyes I assume the amount shall include all cashback plus any transactionfee payable to GobblinQ. In step 534, the Gobble User's account iscredited with a cashback amount.

In an embodiment, a merchant can determine how many Tier 1 Gobbles acampaign will be issuing, how many Tier 2 Gobbles and Tier 3 Gobbleseach campaign will issue. Or, for example, the GobblinQ™ system willrequire a minimum amount of Gobbles of specific tiers. For example, inan embodiment, the GobblinQ™ requires a minimum of three Tier 2 Gobblesand one Tier 3 Gobble for each Tier 1 Gobble issued, and a maximum offive Tier 2 Gobbles and two Tier 3 Gobbles. A merchant can decide thecashback and discounts per Gobble for a specific campaign. In anembodiment, the merchant can decide how long a specific marketingcampaign will last. For example the GobblinQ™ can override themerchant's decision and determine that a specific campaign will last atleast 4 months. For example, the GobblinQ™ can override the merchant'sdecision and require a specific amount of Gobbles and determine the or aminimum number of Gobbles and/or cashback or discount percentages foreach specific tier of Gobble. Gobble levels are described herein asdifferent Tier 1, Tier 2, Tier 3 levels. In embodiments, the Gobblelevels can be referred to differently, and/or there can be more or fewerTier levels.

FIG. 6 illustrates the structural relationship 600 between the tieredGobble System. A Merchant can subscribe to at least one of the depictedtiers, which include: 1^(st) Tier Gobble (602); 2^(nd) Tier Gobble (604,606, & 608); and 3^(rd) Tier Gobble (610). The 1^(st) Tier Gobble, the2^(nd) Tier Gobble, and the 3^(rd) Tier Gobble can be setup according tovarious tiered structures that provide varying benefits to the customerand transaction costs to the Merchant. According to an exampleembodiment, 1^(st) Tier Gobble 602 provides to the Gobble Customer 10%cashback and costs the Merchant 5% of the costs plus an additional 1.5%transaction fee. If therefore, the Gobble Customer purchases goods orservices totaling $100.00, the Gobble Customer would receive $10.00cashback ($100*0.10) and the Merchant would be charged $6.50 in costs toGobblinQ ($100.00*0.05+$100.00*0.015). Accordingly, the Merchant totalcosts are $16.50 ($10.00 cashback+$6.50 costs to GobblinQ).

Upon usage of the 1^(st) Tier Gobble, the Gobble Customer (604), or aFriend of the Gobble Customer (606), or upon implementation of acampaign via the GobblinQ community GobbleX (608), can then proceed tobe eligible for 2^(nd) Tier Gobble campaigns. According to an exampleembodiment, 2^(nd) Tier Gobble (604, 606, & 608) provides to the GobbleCustomer 15% cashback, provides 5% cashback to the referring GobbleCustomer's referring Friend, and costs the Merchant 5% of the costs plusan additional 1.5% transaction fee. If therefore, the Gobble Customersale results in a purchase of goods or services totaling $100.00, theGobble Customer would receive $15.00 cashback ($100*0.15), the GobbleCustomer's referring Friend would receive $5.00 ($100.00*0.05) and theMerchant would be charged $6.50 in costs to GobblinQ($100.00*0.05+$100.00*0.015). Accordingly, the Merchant total costs are$26.50 ($15.00 cashback+$5.00 cashback+$6.50 costs to GobblinQ).

Upon usage of all of the 2^(nd) Tier Gobble, or upon usage of all of the2^(nd) Tier Gobbles, the Gobble Customer/user is eligible for 3^(rd)Tier Gobble Campaigns. By in some cases, requiring usage of all 2^(nd)Tier Gobbles, the 3^(rd) Tier Gobbles are harder to achieve and are morerare. Gobble Customers accordingly would encounter the 3^(rd) TierGobble Campaigns (for example, any Tier 3 Gobbles are transferable to aFriend or Partner in the GobblinQ community subject to the Gobble user'sapproval.) and see greater value in these campaigns, thereby creating asecondary market for the sale and purchase of Gobbles. According to anexample embodiment, 3^(rd) Tier Gobble 610 provides to the GobbleCustomer 25% cashback and costs the Merchant 5% of the costs plus anadditional 1.5% transaction fee. If therefore, the Gobble Customerpurchases goods or services totaling $100.00, the Gobble Customer wouldreceive $25.00 cashback ($100*0.25) and the Merchant would be charged$6.50 in costs to GobblinQ ($100.00*0.05+$100.00*0.015). Accordingly,the Merchant total costs are $31.50 ($25.00 cashback+$6.50 costs toGobblinQ).

In an embodiment, overall, as an extended example of the above Tieredexamples, a Gobble Customer who has completed a purchase with a 3^(rd)Tier campaign has spent $300.00 ($100.00+$100.00+$100.00). However, thatsame Gobble Customer has received, in cashback, $50.00($10.00+$15.00+$25.00), and a referring Friend of the Gobble Customerhas received, in cashback $5.00. Alternatively, the 2^(nd) Tierstructure may result in the same Gobble Customer receiving all $55.00.The cashback returns to the customers, accordingly, is 18%($55.00/$300.00*100). In order to provide the campaign incentives, theMerchant has overall invested $74.50 ($31.50+$26.50+$16.50).

FIG. 7 illustrates an overview of the GobbleX matching algorithm 700between multiple Gobble Users. According to an example embodiment,Gobble User A (702) and Gobble User B (704) are subject to a GobbleXmatching algorithm (738). The GobbleX matching algorithm 738 considersthe purchases of 702 (e.g., 706, 708, 710, & 712) and the purchases of704 (e.g., 722, 724, 726, & 728). In an example embodiment, the GobbleXmatching algorithm 738 considers the interests of 702 (e.g., 714, 716,718) and the interests of 704 (e.g., 730, 732, 734), based onpreferences of user lifestyle, requirements, requests, etc. In anexample embodiment, the GobbleX matching algorithm 738 considers thelocation of 702 (e.g., 720) and the location of 704 (e.g., 736). Thepurchases (706-712 and 722-728) can be made by one of 702 and 704 at thesame location or a variety of different locations. The interests(714-718 and 730-734) can be a variety of different interests. Thelocations (720 and 736) can be the same location or different locations.The location can also change over time according to the currentdetermined location of one of 702 and 704. The purchases, interests, andlocations of 702 and 704 can be, in an example embodiment, manuallyentered by the respective Gobble User. In an embodiment, a requirementfor a specific type of purchase service or merchandise can be posted onthe GobbleX™.

In an embodiment, the purchases, interests, and locations of 702 and 704are determined automatically by information readily available, such asfrom a social media platform or through a GPS device. In an embodiment,interests are determined automatically by the GI, or determined by theGI based on the Gobble user's activity and/or the Gobble user's inputregarding preferences. In an embodiment, a Gobble user profile includesa data field or other location space for a Gobble user's input regardinghis/her preferences and/or requests. For example, a Gobble user'spreference can be for a certain brand of clothing. For example, a Gobbleuser's request can be for a certain brand and type of clothing. In anembodiment, location can be a factor, in which case a GPS or othersystem or input by the user can provide the location. In an embodiment,a user informed the GI of his/her location schedule in order to requestinformation on Gobbles and/or be on a list to receive Gobble. In anembodiment, GobblinQ™ provides the same service on all online purchasesthat are allowed in the store E. After analysis of the data related to702 and 704 purchases, interests, and location, the GobbleX matchingalgorithm 738 produces a result 740 that suggests that User A 702 is setup as a partner for User B 704.

In an embodiment, a location can be requested by a Gobble™ user to theGI™. For example, Gobbler X intends to travel to location Y. Gobbler Xcan electronically alert the GI about the location cities and requestGobbles for those cities. Or, Gobbler X can request advance Gobbles forthe intended location cities, provide they are not expired.

FIG. 8 illustrates a method of propagation 800 of a Gobble campaign toprospective Gobble Users. Gobble User A (802) first makes a purchaseusing the Gobble Card OR BY phone and earns Gobbles as a result of thepurchase in step 804. In an embodiment, a Gobble user retains (at user'soption) one Tier 2 Gobble for personal use and sends the rest topartners/friends/GobbleX™. Those recipients of the Tier 2 Gobbles willhave a specific amount of time to claim the Tier 2 Gobbles and to usethem. Otherwise, there is a default setting that will push all Gobblesto the GI or other location for the user.

In an embodiment, only Tier 2 and Tier 3 Gobbles are shared by a userwith a friend/partner/other in GobblinQ™. For example, if a Tier 2Gobble is not used by a friend/partner/other within a predeterminedtimeframe, then the Tier 2 Gobble will be sent automatically to theGobbleX for sharing with other users or another task. In an embodiment,a timeframe to use a Gobble received can be a period of time between 24hours and 6 months.

In an embodiment, Tier 2 Gobbles are available in a queue at the pointof sale or placed/claimed by the GI to third parties. Even if a Tier 2gobble is used at the POS by a third party, the GI can use such purchaseto continue to build community with the original user. In an embodiment,if a Gobbler is in a queue for a Gobble regarding a specific brand ofshoe at store Y. Then, the GobbleX™ can research and determine anotherlocation in the area that carries that specific day. Upon determininganother location, which might also mean it is for a Gobble from adifferent Merchant, the GobbleX can offer that Gobble to the Gobbler.Upon accepting the auxiliary Gobble for a different merchant, theGobbler can remain in the queue for a Gobble for the previously intendedmerchant. The queue is an electronic listing of Gobbler's uniqueidentifiers. Upon release of a Gobble, then the first Gobbler entered inthe queue receives the Gobble.

In an embodiment, the Gobble User A (or another User associated with thetransaction from Gobble User A) chooses to let one (for example, canonly keep one for his/her own personal user, or send them all toFriends/Partners/others, or allow automatic return of the Gobble to theGI management.

In FIG. 8, the Gobbles resulting from the purchase to go to the GobbleCommunity, GobbleX, according to step 806. After a Gobble has gone toGobbleX, GobbleX determines in step 808 the most likely Users to showinterest in the Gobble based on a review of a plurality of Gobble Userinformation, such as purchases history, lifestyle, interest, andlocation, and preferences as required “confidentially” by the Gobbleuser. In step 810, GobbleX posts to the determined interested Users thata Gobble is now available through a notification to those determinedinterested Users' social media walls and/or email. As such, determinedinterested Users (e.g., 812, 814, and 816) are able to view thenotification and become aware of the Gobble campaign through the GobbleXcommunity.

In an embodiment, merchants can at the push of a UI (user interface)button initiate campaigns to target users by sending invitation Gobbles(Tier 1, Tier 2, Tier 3, et al.) with a specified cashback and validity(minimum established by GobblinQ™ for a specific industry). In anembodiment, a merchant can preset an amount of time during which aGobbler has not frequented the merchant or has not made a purchase, andthe GobblinQ™ will send out a Tier 1 Gobble to the “absentee” Gobbler inan effort to encourage the Gobbler to purchase again. In an embodiment,instead of issuing a “new” Tier 1 Gobble, when a preset time is up andthere are available Gobbles, the Gobbler can be offered one of theexisting Gobbles for that merchant.

FIG. 9 illustrates an example form 900 that is populated by the Merchantwhen creating a Gobble campaign. The form can be filled by a Merchantover a webpage or a portal to the GobblinQ™ system and adjusted,reviewed, and/or changed daily, all Gobbles already issued being honoredas campaigned when accepted. The form, in an example embodiment,includes default values or characters for portions not explicitly filledout by the Merchant. The form presents information in a variety ofinteractive formats, where the Merchant can interact with any one of atext input/text box, a radio button input, option buttons, submitbuttons, and drop down bars. The form is, in an example embodiment,provided to the User in a User interface. Fields to be filled out in theUser interface by the Merchant include in an example embodiment: “Title”(902); “1^(st) Tier Cashback Amount” (904); “Description” (906); “Numberof 1^(st) Tier Gobbles to Release” (908); “Start Date” (910); and“Expiration Date” (912). A Merchant would enter into the Title 902 fielda desired title for the campaign. Any campaign decision chosen bymerchant will be available for print and constantly updated andavailable by GobblinQ, providing status, on both PC and Mobile device ofmerchant.

A variety of profit sharing mechanisms are available. For example, asdiscussed herein, one mechanism includes the following.

Gobble user X uses one Tier 1 Gobble. The GI had a preset of three Tier2 Gobbles for every Tier 1 Gobble. Here, Tier 1 Gobble provides a 10%discount on merchandise X. Tier 2 Gobble provides a 15% discount onmerchandise for the user of the Tier 2 Gobble and a 5% cashback for theuser of the Tier 1 Gobble that effectively spawned, or caused it to bereleased, the Tier 2 Gobble.

For example, Gobbler X uses Tier 1 Gobble™ and gets 10% discount on her$100 purchase. Effectively, Gobbler X gets $10 back (e.g., on GobblinQ™account or other way). Three Tier 2 Gobbles are now available.

Gobbler™ X gives Gobbler™ Y a Tier 2 Gobble™ via GobblinQ™ Gobbler Ygets a discount of 15% using the Tier 2 Gobble™ on her purchase. Forexample, Gobbler Y spends $100 and gets effectively a $15 discount. Uponusage of the Tier 2 Gobble, Gobbler X benefited by getting 5% cashback,which is effectively $5. Further, Gobbler X can decide to keep one ormore of the Tier 2 Gobbles and get both the discount and the cashback.

Accordingly, following the above example, Gobbler X could benefit:

Gobbler X spent $100, got $10 credit with Tier 1 Gobble.

Gobbler Y spent $100, got $15 credit with Tier 2 Gobble. Gobbler X got$5 cashback.

Gobbler Z spent $100, got $15 credit with Tier 2 Gobble. Gobbler X got$5 cashback.

Gobbler M spent $100, got $15 credit with Tier 2 Gobble. Gobbler X got$5 cashback.

In tallying, Gobbler X received a $10 credit plus $15 cashback. GobblerY received a $15 credit. Gobbler Z received a $15 credit. Gobbler Mreceived a $15 credit.

If Gobbler X kept one of the Tier 2 Gobbles to use, and spent $100 usingthe Tier 2 Gobble, then Gobbler X would have 15% discount ($15) and $5cashback.

Then, in tallying, Gobbler X received $25 credit plus $10 cashback.Gobbler Y received a $15 credit. Gobbler X received a $15 credit.

In a further embodiment, once all three (or however many are released)of the Tier 2 Gobbles™ have been used, a Tier 3 Gobble™ is released toGobbler X providing an additional discount and/or cashback available forGobbler X.

In an embodiment, a Merchant enters into the 1^(st) Tier Cashback Amount904 field a desired monetary value that the Gobble Customer wouldreceive in cashback. According to an example embodiment, a minimum valuecan be set in the system such that the Gobble Customer receives at leasta minimum monetary value in cashback, such as 10% of the purchase price.A Merchant would enter into the Description 906 field a description ofthe Gobble campaign to be generated. A Merchant would enter into theNumber of 1^(st) Tier Gobbles to Release 908 field a numerical valuerepresentative of how many Gobble Customers can utilize the campaignbefore the campaign is no longer available to the Gobble public. AMerchant would enter into the Start Date 910 field a date on which theGobble campaign is to begin. A Merchant would enter into the ExpirationDate 912 field a date on which the Gobble campaign is to end. A Merchantcan also select, for example, via radio buttons, how generation of a1^(st) Tier Gobble campaign Gobble can further produce 2^(nd) TierGobbles. For example, by selection of 914, a Merchant can instruct thatthe usage of 1^(st) Tier Gobbles produces 3 2^(nd) Tier Gobbles. Forexample, by selection of 916, a Merchant can instruct that the usage of1^(st) Tier Gobbles produces 5 2^(nd) Tier Gobbles. When a customerdecides to see information on a specific merchant, such information isavailable on the information wall of the merchant. In an embodiment, theGobbleX™ pushes and receives information from a user via text/SMS/ Whena customer decides to seek information on a specific merchant, suchinformation shall be available on the information wall of such merchantfor GobblinQ user to know before making a purchase. The GobblinQ mobileapp provides for such assessments for both Gobble users and merchants920.

According to an example embodiment, should the number of 1^(st) TierGobbles released not be used by Gobble Users, then the Merchant canelect to have the Gobbles expire after a period of time such as oneyear. The form provides exposure projections to the Merchant before theMerchant has populated the fields on the form based on a Merchantprofile. In an example embodiment, the form provides exposureprojections to the Merchant after (or while) the Merchant populates thefields on the form. Exposure projections include data of interest to theMerchant such as: Average Purchase Amount, 1^(st) Tier Revenue, 1^(st)Tier Cashback, 2^(nd) Tier Revenue, 2^(nd) Tier Cashback, OriginatorEarnings, 3^(rd) Tier Revenue, 3^(rd) Tier Cashback, Total Revenue, andTotal Cost.

FIG. 10 illustrates an example form 1000 that is populated by a thirdparty or a conglomerate when creating an offer that implements Gobblecampaigns to target Gobble customers. The form can be filled by anoperating party that is one of a Merchant, a Third Party, or aConglomerate owner over a webpage or a portal to the GobblinQ™ system.The form, in an example embodiment, includes default values orcharacters for portions not explicitly filled out by the operatingparty. The form presents information in a variety of interactiveformats, where the operating User can interact with any one of a textinput/text box, a radio button input, option buttons, submit buttons,and drop down bars. The form is, in an example embodiment, provided tothe operating party in a User interface.

Fields to be filled out in the User interface by the operating partyinclude in an example embodiment: “Title” (1002); “1^(st) Tier CashbackAmount” (1004); “Description” (1006); “Number of 1^(st) Tier Gobbles toRelease” (1008); “Expiration Date” (1010); “Start Date” (1012); “LimitAudience” (1014); “Add Languages” (1016); “Demographics” (1018); “AddMerchants” (1020); “Interests” (1022); and “Connections” (1024). Anoperating party would enter into the Title 1002 field a desired titlefor the offer. An operating party would enter into the 1^(st) TierCashback Amount 1004 field a desired monetary value that the GobbleCustomer would receive in cashback. According to an example embodiment,a minimum value can be set in the system such that the Gobble Customerreceives at least a minimum monetary value in cashback, such as 5% ofthe purchase price. Each industry is different and GobblinQ will aim tobe competitive but also acceptable by all merchants, especially in eachindustry. An operating party would enter into the Description 1006 fielda description of the Gobble offer to be generated. An operating partywould enter into the Number of 1^(st) Tier Gobbles to Release 1008 fielda numerical value representative of how many Gobble Customers canutilize the offer before the offer is no longer available to the Gobblepublic. An operating party would enter into the Expiration Date 1010field a date on which the Gobble offer is to end.

As part of the offer creation, an operating party further can specify asegment offer that is part of the offer creation. An operating partywould enter into the Start Date 1012 field a date on which the segmentcampaign is to begin. An operating party would enter into the LimitAudience 1014 field a selection as to which Gobble Users are eligible toclaim an offer. According to an example embodiment, the Gobble Userseligible to claim an offer can be limited according to one of a location(e.g., everywhere, by state, by city), a relationship with an operatingparty, an educational classification (e.g., class year, degree,institution), a work criteria (e.g., business, sector), financialcriteria, and life events. An operating party would enter into the AddLanguages 1016 field a selection as to what languages the Gobble offerwill be marketed and described in. An operating party would enter intothe Demographics 1018 field information regarding the demographics ofthe Gobble Users to whom the offer will be made available. According toan example embodiment, the demographics can be limited according to oneof age (e.g., Gobble Users from ages 18 to 65 are eligible), gender(e.g., Male, Female, or Other), and another demographic criteria. Anoperating party would enter into the Add Merchants 1020 field criteriaas to which Merchants have agreed to comply with the terms of the offerand will run campaigns consistent with the offer. An operating partywould enter into the Interests 1022 field criteria regarding whichGobble Users will be eligible to claim an offer according to indicatedinterests either input manually by the Gobble User into a profile orthrough an indication on a social media platform. An operating partywould enter into the Connections 1024 field information regarding howthe offer would be limited based on connection to the operating party.

According to an example embodiment, the Connections field can be limitedby an operating party's selection of one of: “only people connected to‘my brand’”; “only people NOT connected to ‘my brand’”; and “only peoplewho have not done business with ‘my brand’ for [a number of] months.”According to an example embodiment, Gobble Users within the Segmentedselections of the Offer will be marketed to via communications on theirsocial media platforms. Merchants and or manufacturers, can directly ata push of a button initiate campaigns to target users by sendinginvitations Gobbles (Tier 1, or Tier 2, or Tier 3) with a specified cashback and validity (minimum established by GobblinQ for the specificindustry). For example, as described herein, a Gobble (either a new oneor an existing one) could be preset to be sent to specific “absentee”purchasers.

Example: Sending out the Gobble to a customer that has not been visitingthe merchant for 1, 2, 3 months (depending on merchant's campaign)sending out Gobbles invitation to cross marketing opportunitiesdetermined and proposed by the “GI” based on “Intelligence” to createnew customers and or more repeat customers to merchants or manufacturessending out Gobbles invitations for birthdays parties of users based onthe “GI” proposed determination. All of the above will be provided tothe merchant or manufacturer to determine its campaign over a period oftime.

FIG. 11 illustrates a system 1100 level payments transaction as betweena User at a Merchant Location, the User's Bank, the GobblinQ Partner,and the GobbleX Database. A transaction for a sale of a good or servicetakes place at the merchant location 1102. According to an exampleembodiment NFC hardware on a mobile device transmits the Gobble Cardnumber to a receiver device that is hosted by the merchant at themerchant location 1102. The receiver device of the merchant acknowledgesthe transaction locally as either a payment accepted or denied. Prior tothe acknowledgement, the transaction is sent through the merchant'sPayment Gateway 1104 so that the merchant can account for the processingof the payment. The transaction is first channeled through a PaymentGateway 1104. The Payment Gateway 1104 routes the transactioninformation to a GobblinQ Partner Bank 1106, which processes thetransaction.

In order to complete the transaction, the GobblinQ Partner Bank 1106sends a request with the requisite information related to thetransaction through the GobbleX API to verify that there are sufficientfunds in all accounts associated with the transaction. In the interim,the GobblinQ Partner Bank 1106 holds the transaction. Requisiteinformation that is sent through the GobbleX API, which is associatedwith a GobbleX Database 1108, can include at least one of a Card Number(Gobble Card Number, a Card Number having an association with a GobbleCard Number, or an Electronic Representation of a Gobble Card Number), aTransaction Identification Number, and a Transaction amount. GobbleX,upon receipt of the request, searches the Database 1108 for Useridentification having a matching Card Number according to step 1110. Ifthe matching card number is found, the transaction proceeds according tostep 112. In step 1112, the GobbleX database references the GobbleUser's GobblinQ balance. A comparison between the transaction amount andthe balance of the User's GobblinQ account is then facilitated. If thebalance of the User's GobblinQ account is greater than the transactionamount, then the GobbleX proceeds according to step 1116. Alternatively,if the balance of the User's GobblinQ account is less than thetransaction amount, then GobbleX proceeds according to step 1114.

As a result of step 1116, the transaction request details are logged tothe Gobble User in the GobbleX database 1108 in step 1118. Also as aresult of step 1116, the API response is sent to the Bank to acknowledgethat the Bank should accept the transaction. Accordingly, in step 1134,the GobbleX database 1108 processes and issues Gobbles, which are uponcreation reported to the GobblinQ Partner Bank 1106. Also as a result ofstep 116, the GobbleX Database 1108 saves, in accordance, with step1136, a new balance in the User record that accounts for deduction ofthe transaction amount from the User's previously reported balance. Inaddition to the foregoing, following step 110, GobbleX Database makes anAPI transaction request with second Payment Gateway 1126.

The Payment Gateway 1126 routes the transaction request at that time tothe User's Bank 1128, which processes the request. If the User's Bankprocesses the request but there has been an overcharge to the User'sAccount, the transaction record is forwarded to the Payment Gateway1126, which notes, in step 1130, that the GobbleX Database shouldinclude a log of the overdraft transaction to that particular User'stransaction. Following step 1130, GobbleX proceeds to step 1132 in whichGobbleX Database 1108 makes the API transaction request with PaymentGateway for the overdraft fee. In addition, following the logging of theoverdraft transaction in step 1130, GobbleX further executes step 1134.In addition, a User's Bank can route through the Payment Gateway 1126that the transaction is denied. In these particular situations, the APIforwards the denial to the GobblinQ Partner Bank 1106 so that thetransaction is denied. In addition in cases in which the transaction isdenied by the User's Bank, the transaction request details are loggedaccording to step 118. Any reporting to the GobblinQ Partner Bank 1106is evaluated and can result in fulfillment or cancellation of themerchant transaction. The GobblinQ Partner Bank forwards a transactionstatus to the Payment Gateway 1104, which routes the result to themerchant location 1102. In embodiments of the present invention,GobblinQ™ will utilize an established bank, the bank issues the paymentcards with the unique identifiers and communicates with the GobbleX™.

In a further example, when a user ID is not found by the GI in thedatabase 1108, then the overdraft is set to “false” and the GI searchedplay record for overdraft protection set as true 1120, and when foundthe GI references the overdraft account number from the user record 1122and the GI makes an API transaction request with payment gateway 1124.

FIG. 12 illustrates a successful system level payments transaction asbetween a User at a Merchant Location, the Merchant's Bank, the GobblinQPartner, and the GobbleX Database. Upon a successful transaction, 1202,GobbleX searches the GobbleX Database for a matching merchantidentification number in accordance with 1204. If the matching merchantidentification number is not found, then the method proceeds inaccordance with 1206 and the Gobble User does not earn any cashback andno additional Gobbles are generated for the Gobble User. If instead,after 1204, the matching merchant identification number is found,GobbleX searches the Gobble User records for Gobbles matching themerchant identification number that are assigned to the Gobble User. IfGobbleX does not find any Gobbles matching the merchant identificationnumber that are assigned to the Gobble User, then GobbleX searches theGobbleX Database for any available Tier 1 Gobbles that match themerchant identification number that are assigned to the GobbleXcommunity in 1208. If still, after 1208, no Gobbles are found that matchthe merchant identification number that are assigned to the GobbleXcommunity, then in accordance with 1206 the Gobble User does not earnany cashback and no additional Gobbles are generated for the GobbleUser. If after 1208, Gobbles are found that match the merchantidentification number that are assigned to the GobbleX community, thenin 1212 GobbleX claims the GobbleX community Gobble for the particularUser and inserts the Gobble into the Gobble User record in the Databaseso that it is assigned to the Gobble User and no longer eligible to beclaimed by another member of the GobbleX community.

Following 1212, or if a Gobble was found in 1210 that matched themerchant identification number that are assigned to the Gobble User,then in 1214 GobbleX multiplies the transaction amount by the Gobblecashback percentage to calculate how much cashback will be available tothe Gobble User claiming the Gobble. Following calculation of thecashback percentage, GobbleX sums in 1216 the cashback amount with theUser balance and inserts this summed value into a User record associatedwith the Gobble User in the Database. GobbleX looks up the merchant'sGobble settings to determine how many Tier 2 Gobbles should be generatedas a result of this particular transaction in 1218. Following 1218, in1220, GobbleX generates a number (e.g., 3 to 5) Tier 2 Gobbles andrecords them as being unassigned Gobbles in the Database. In 1232,GobbleX sends API notification to the Gobble User that these number ofTier 2 Gobbles have been generated and are available for consumption.

The Gobble User having the number of Tier 2 Gobbles may proceed inaccordance with at least one of the following. In 1234, the Gobble Userkeeps at least one Gobble. Accordingly, the Gobble User's election tokeep the Gobble is in 1236 assigned to the Gobble User in the Database.In 1238, the Gobble User elects to send one or all of the available Tier2 Gobbles to Friends. Following 1238, in 1240, the Friend of the GobbleUser accepts or denies the Gobble. According to the Friend's actions,the Gobble is reassigned in the Database to the Friend in 1242. If theFriend, instead of accepting the sent Gobble, denies the Gobble, GobbleXin 1246 assigns the Gobbles to the GobbleX in the Database. In anexample embodiment, a Friend's failure to take action on a sent Gobblewithin a predetermined time period results in an automatic assignment ofthe Gobble to the GobbleX in 1246.

(Gobbler needs to do nothing, since GobbleX™ will manage everything.Gobbler can otherwise keep one Gobble for personal use and send allother Tier 2 and Tier 3 Gobbles to friends and or partners 1244.Following the summation of the cashback amount available to the GobbleUser in 1216, GobbleX sends in 1222 an API notification of the cashbackamount earned to the Gobble User. Also following the summation of thecashback amount available to the Gobble User in 1216, a transaction APIrequest is sent through the Payment Gateway 1226, in accordance with1224, to pull cashback amount from the Merchant account. The PaymentGateway 1226 routes the request to the Merchant's Bank 1228, whichfulfills the request when possible, and provides a confirmation to thePayment Gateway 1226. The Payment Gateway 1226 confirms that thetransaction has been fulfilled and accordingly in 1230 the cashbacktransaction is logged to the Merchant Transaction record in theDatabase.

Gobbler shall also receive available cash back notification in GobblinQaccount, available Gobbles sent to friends or partners, and or managedby the “GI”

FIG. 13A illustrates a method 1300 for implementation of a multipletiered Gobble offer for a particular Merchant having multiple customerswho are Gobble Users.

User 1, identified by 1302, as an initiation of the method makes apurchase at a participating Merchant using his Gobble Card or bysmartphone or other identification mode, while having (receivingautomatically or possessing it already) a 1^(st) Tier Gobble. Followingthe purchase, at step 1304, the transaction information including theMerchant, the date of the transaction, and the transaction amount aresent over to the GobbleX™ API. In 1306, the GobbleX API system refersthe Merchant associated with the merchant sales point where the purchasewas made, and determines the Merchant's Gobble Settings from theDatabase. According to the Merchant's Gobble Settings, a number (e.g.,3-5) of Gobbles are generated. In an example embodiment, each Gobble hasa Gobble identification number (ID number) that comprises fields thatare assignable to a transaction identification number, a useridentification number, and a Merchant identification number. In step1308, the Gobble User is stored in the Database as the originator ofTier 2 Gobbles that were generated from the previous purchase. TheGobbles, however, remain unassigned (e.g., having no user identificationnumber assigned in that particular field) and then they are sent to theGobble User for assignment. A timestamp is recorded in the Database forthe date and time of creation of the Gobble. Accordingly, in an exampleembodiment, the Gobble User assigned to the Gobbles has a specific timewindow (e.g., one day) to assign the Gobbles to other users.

The Gobble User having the number of Tier 2 Gobbles may proceed inaccordance with at least one of the following. In 1310, the Gobble Userkeeps at least one Gobble. Accordingly, the Gobble User's election tokeep the Gobble is in 1310 assigned to the Gobble User in the Databasein 1312. Following the election to assign the Gobble to himself, theGobble User makes another purchase at the Merchant using the Gobble Cardin 1314. In 1316, the Gobble User elects to send one or all of theavailable Tier 2 Gobbles to a specific Friend. Following 1316, in 1318,the Friend of the Gobble User is assigned the Gobble. Following theassignment of the Gobble to the Friend, the Friend makes a purchase at aMerchant using his Gobble Card in 1320.

FIG. 13B illustrates a continuation of the example method 1300,presented in part in FIG. 13A, for implementation of a multiple tieredGobble offer for a specific Merchant having multiple customers who areGobble Users according to an example embodiment. Features described aspart of method 1300 are, hereafter, included in either FIG. 13A or FIG.13B.

In 1322, the Gobble User elects, or allows, at least one Tier 2 Gobbleto go the GobbleX community and remain temporarily unassigned. Followingthe arrival of the Gobble in the GobbleX community, a new Gobble User(User 3) claims the Tier 2 Gobble in 1324. GobbleX then assigns theGobble to the new User in the Database during 1326. Following 1324, in1328, the new Gobble User makes a purchase at the Merchant using hisGobble Card.

At 1330, these purchases are processed and the transaction data ispassed through the GobblinQ API and inserted into the Database.Following 1330, the GobbleX system refers to the Merchant's specificTier settings and, for each purchase, determines the respective GobbleUser's cashback percentage. The Gobble User's cashback percentage iscalculated by multiplying the percentage from the Merchant's Settingsassociated with the Tier 2 Gobble by the amount of the transaction in1350. In 1352, the Tier commission for the Gobble User (the initialGobble User who sent the Gobble to a Friend or the GobbleX community) iscalculated and credited to that particular Gobble User's GobblinQaccount. In 1354, the calculated cashback amount is credited to thepurchasing Gobble User's GobblinQ account.

In 1356, the GobbleX system checks the Database to determine if all ofthe Tier 2 Gobbles matching the original transaction identificationnumber and the original user identification number have been used. Ifall of the original transaction Tier 2 Gobbles have been used, thenGobbleX proceeds in accordance with 1358 and generates one Tier 3 Gobble1360. The Gobble ID for the Tier 3 Gobble is comprised of theTransaction identification number, the user identification number of theoriginal user, and the Merchant identification number. The Tier 3 Gobbleis assigned to the original Gobble User.

Following assignment of the Tier 3 Gobble to the original Gobble User,the Gobble User proceeds according to one of the following. In anexample embodiment, the Gobble User proceeds in accordance with 1332 andmakes a purchase at the Merchant using his Gobble Card. Following theGobble User's purchase, at 1334, an additional Gobble User makes apurchase at the Merchant using his Gobble Card. In an exampleembodiment, the Gobble User proceeds in accordance with 1336 and sendsthe Tier 3 Gobble to another Gobble User (4). Gobble User 4, in 1338, isassigned to the Tier 3 Gobble. Following the Gobble User's purchase, at1340, an additional Gobble User makes a purchase at the Merchant usinghis Gobble Card. In an example embodiment, the Gobble User proceeds inaccordance with 1342 and sends the Tier 3 Gobble to the GobbleXcommunity. Gobble User (5), in 1344, claims the Tier 3 Gobble. Followingthe Gobble User 5 claiming procedure, at 1346, Gobble User (5) isassigned the Tier 3 Gobble. The Gobble User 5 then, in 1348, proceeds tomake a purchase at the Merchant using his Gobble Card. The abovetransactions involving the assignment of the Tier 3 Gobble are thenprocessed in accordance with the procedure described above regarding1330.

Embodiments of the present invention provide for cross marketing ofservices, goods, and other. For example, the GobbleX Intelligence™ keepstrack of a Gobble user's inputted preferences, lifestyle, and merchants,among other things, where the user has purchased something. For example,a Gobble user indicates a preference or request for brandX shoes in theuser's profile stored by the GI. Then, the GI can send to the useravailable Gobbles and/or event opportunities for such brandX shoes atone or more locations. Or, for example, a Gobble user purchases brandXshoes at Department store A. Then, the GI queries the user and/or theDepartment store A for information of what was purchased. In anembodiment, the GI allows for photo/image posting to indicatepurchase(s). The GI can then send to the user available Gobbles and/orevent opportunities from a variety of merchants of varying types forthat same type/brand item purchased or for similarly situated merchants.Or, for example, a Gobble user purchases serviceX from Service merchantA. Then, the GI queries the user and/or the Service merchant A forinformation regarding what service was purchased. The GI can then sendto the user available Gobbles and/or event opportunities from one ormore merchants (service or goods or other) for the same type of service,for the same Service brand services, for similar services and/orsimilarly situated merchants.

In embodiments of the present invention, upon a purchase by the Gobbleuser, the GI or other entity acting on behalf of the GI, will send tothe Gobble user a request for information regarding the purchase. Forexample, the request is sent by at least one of a telephone call, anSMS, or simply via the app, which like Facebook and or Twitter isconnected to Mobile phone and or computer of USER, an email, or othercommunication. For example, the request is requesting information onwhat was purchased and any other information concerning same, as well asany preferences stemming from such purchase. For example, the Gobbleuser purchases a tax service to do his taxes. The GI or other queriesthe Gobble user for information on the purchase. The Gobble user canthen share that the purchase was for a tax service for a specific dollaramount at a specific merchant. The GI or other can then (or in theearlier query) request information regarding what further the Gobbleuser would prefer, e.g., a lower cost, a different tax service forcomparison, etc. In response to any information provided by the Gobbleuser, the GI updates the data store of the Gobble user to reflect thisnew information. And, the GI can use that updated information of theGobble user to send more directed and/or applicable marketing campaigns,Gobbles, Legion Buying Splash™ events, etc.

In an embodiment, the GI's intelligence capability will frequently orregularly contact the Gobbler in order to gain information and feedbackto provide a better learning system.

In an embodiment, Gobble user A buys coffee from merchant A everyweekday. Gobble user A either uses a Gobble to make the purchase (andthus, goes through the GI to accept the Gobble) or uses the GobblinQ™account card.

In an embodiment, if users does not have a Gobble available user willknow via GobblinQ™ that (i) such location offers GobblinQ™ (ii) the typeof Gobbles available at such location “POS” (Tier 1 Tier 2) and (iii)what are the pay outs of each Gobble, established by the merchants inits campaign with GobblinQ™. so user does not need a Gobble to make apurchase at the POS. Gobbles are also issued automatically at the POSupon a purchase via GobblinQ™ subject to availability in a queue at thePOS. user only need to use GobblinQ™ to pay.

In an embodiment, when Gobble user A uses either an account card whoseactivity is accessible by or associated with the G or uses a Gobblethrough the GI to make a purchase, then the GI has access to certaindetails of the purchase. For example, the GI notes that something (or,notes coffee if access to the merchant information is provided or ifGobble user A provides such information) is purchased, from onlymerchant A, at location X, at a time of day, and/or at a frequency ofonce a weekday. The GI's lifestyle module or algorithm can determinefrom that purchase and based on Gobble user A's stored preferences (aswell as requests by the user posted by user directly to the “GI”) thatGobble user A likes to get a morning coffee at a location near Gobbleuser A's office. Accordingly, the GI can use this information andsubsequent information to learn the preferences, lifestyle, and habitsof Gobble user A and then cross-market to Gobble user A other coffeeshops, for example, near Gobble user A's office. This cross-marketingcan be effected by providing a Gobble to Gobble user A for coffee orother item at a different merchant. Or, this cross-marketing can be ALSOeffected by providing a Legion Buying Splash™ event opportunity toGobble user A for coffee or other coffee shop item at a differentmerchant (For example, with Legion Buying Splash™ a user can launch “anevent” or participate in an event which the GI will provide to userbased on user's “request, need, preferences”. The user will interactwith the GI asking for help to seek deals.) Other embodiments are alsopossible. As the GI gets more data on the Gobble user—from indicatedpreferences and/or lifestyle and habit—the GI becomes more accurate inthe outcome from its algorithms which parse for an optimal relationshipbetween preferences, lifestyle, habit, and location. This way, forexample, when a Gobble that concerns a similar preference, lifestyle,habit, and/or location of a Gobble user, is available in the GI, the GIhas a function that can automatically send a notification to the Gobbleuser regarding that relevant Gobble, and or provide information to theuser regarding merchants offering Gobbles™ taking GobblinQ™ for specificitems or services required by the user/Gobbler™ based on preferencesposted on GobblinQ™ by user, based on user's requests to the “GI”, basedon user's life style, user's past purchases with GobblinQ™, location ofuser, and information provided by user to the GI to better performanceof the GI's services to make money for the user. The “GI” will interactwith user after making any purchase, asking to user to explain what userhas purchased to better serve user's needs in the future. User may electnot to answer but the “GI” will explain more information will providebetter deals for user in the future. User may also request to the “GI”best deals available “Gobble” for specific purchases—this also will bepart of the “GI” intelligence and will enable the “GI” to constantlyupdate its data and intelligence based on the following: 1) user'srequests, life style, preferences, purchases and 2) merchant'smarketing, promotions, requirements (merchant's requirements mayinclude: type of customer, spending capabilities, repeat business,genre, and more . . . )

In An embodiment, the user has the ability to post picture of purchaseon GobblinQ™

To be shared by user with user's community of partners and or friends onFacebook™, Twitter′, Instagram™, Snapchat™, Pinterest™, Google™, andother social networks the GI will request user to provide information ofeach purchase and user may elect to provide info as well as picture ofitem to allow the GI to better perform his function and better servicethe needs of the user. This function will be optional but must beprovided in order to enable the “GI” to better assemble data about user

In embodiments of the present invention, merchant as used throughoutthis application is a manufacturer, merchant, store, a chain of stores,a service provider, a manufacturer, and/or a goods supplier.

In embodiments of the present invention, a Gobble can be a percentage orcurrency amount discount on services, goods, entertainment, or othermatter. A Gobble can be a cashback percentage or currency amount onservices, goods, entertainment, or other matter. A Gobble can be both adiscount and a cashback. They are not mutually exclusive. A Gobble canbe a benefit, e.g., a free good or service or other. A Gobble can be aunit of currency or points, which are then translatable into cashback,discount, or other benefit. For example, a Gobble user uses a Gobbleissued by the Theater merchant (e.g., through the GI) which provides fora 5% cashback and a 5% discount for a purchase of $200 (before tax)theater tickets purchased from Theater merchant A. The Gobble user pays$190 (before tax), reflecting the 5% discount. The Gobble user receives$10 cashback through the user's GI account, GobblinQ™ account, creditcard account, bank account, online service, or other specified way. Thecashback can remain on the account as a useable $10 amount to be usedtowards future purchases (either at specific merchant(s) or anywhere).The cashback can be received as cash via a cash machine, bank, or otherway. The cashback can be used to purchase benefits, e.g., a specific setof goods or “prizes” or services from specific supplier(s), or amagazine subscription, or other. In an embodiment, the cashback isreadily available to be withdrawn as cash or used to purchase additionalitems. The payment card associated with the bank—that “talks” with theGI™—can be used in a cash machine to withdraw the cashbacks.Alternatively, a Gobbler can use the cashbacks in electronic form andapply them to purchase(s) online. The cashbacks are associated with thepayment card and would be deducted first from the purchase total, andthen any remaining purchase amount would be handled separately.

In an embodiment, the Gobble user uses a GobblinQ™ credit or check card.In using the GobblinQ™ card, any and all purchases made with that cardare kept track of by the GI with respect to the Gobble user's lifestyle,and can be used in determining what directed Gobbles and/or events toalert or send to the Gobble user. The “GI” also builds up partnercommunities in GobblinQ™ by suggesting to users to partner and connecton GobblinQ™ with other users who share “similar profiles” (profiledefined as: life styles, needs, preferences, “credibility factor” (seebelow) purchase history, locations, status, wealth among other things,or upon making a purchase. This can particularly be useful forbusinesses too. GobblinQ™ could be essential for businesses not only toshare gobbles but become acquainted with and connect as partners inGobblinQ™). The GobblinQ™ card (payment can be made via the app with NFCtechnology as well) is associated with the GI and permissions forpurchase information is provided to the GI or fetched by the GI in orderto populate the database fields with the purchase information. In anembodiment, the Gobble user uses a non-GobblinQ™ credit card, debitcard, check, cash, or other payment method. The purchase informationmade in these circumstances are known if the Gobble user uses a Gobblefor the purchase, and thus, communicates through the GI, or if theGobble user participates in a Legion Buying Splash™.

In embodiments of the present invention, a Gobble user receives a userquality index rating. In an embodiment, a user does not need to purchaseonly from one store. The rating or credibility factor is based on theuser's credibility factor to be a valuable customer and reliablepurchaser. A user can be rated across the board and can obtain extendedpayment option without interest over a specific period of time (e.g., 12to 18 months) depending upon the merchant promotions. In a point of salesituation where a user purchases for the first time, upon making thepurchase with the extended payment option with no interest, the userwill still receive a Gobble, the tier for which is determined by themerchant based on its campaign on GobblinQ™. In an embodiment, cashbacksobtained from such Gobbles will be held by GobblinQ™ in favor of themerchant until a user has paid in full the extended payment option,after which the cashbacks will be credited to the user's GobblinQ™account, and the merchant will rate the user via GobblinQ™ for futurepurchases with the extended payment option, the time for which can bedetermined based on the merchant and the credibility rating of the user.For example, if a Gobble user is recorded by the GI as completingpurchases of a certain amount regularly or not regularly but based onpreferences and/or requests posted by a user to the GI from anymerchant, and/or other quality indicator, then the Gobble user isprovided with a user quality index rating. If the user quality indexrating is above a set threshold, then the Gobble user is made eligiblefor more discounts, cashback, merchant events, and/or extended paymentoptions.

For example, Gobble user A purchases $1000 from Store X every month fora year, thus having a total purchase amount of $12,000 over 12 months.The credibility factor or rating does not need to be only based onrepeat purchases by the user nor does it need to only be based onpurchases at a specific store. The GI assembles the spending credibilityand trend of user across the board for purchases made with all merchantsin order to provide the intelligence to any new merchant that may nothave met prior. This type of intelligence provides status andcredibility information based on the financial behavior across the boardand not only at a specific merchant. The credibility factor or ratingwill also be determined by the repeat business history of the Gobbleuser.

In an embodiment, the GI applies a user quality index rating on Gobbleuser A to determine whether the specific behavior over 12 months isreliable for a specific benefit level. For example, if the GI applies auser quality level of 8/10 to Gobble user A, then, according to storedpreset information including a threshold number for the quality level,in the GI, a user quality level of 8/10 provides the Gobble user A withthe option to do an extended payment plan with Store X of items totaling$x.

Each merchant provides parameters for the Gobbles release and use on theGobblinQ™ so that each user that wants to use the extended paymentoption with no interest, shall have the ability to compare the Gobblespercentages payouts, parameter, and amounts. Or, for example, based onthe Gobble user A's quality level or another factor, Gobble user A isprovided access to, e.g., an electronic/digital on the app conciergeservice which, e.g., makes reservations at specific restaurants based onGobbles availability and user requests. In an embodiment, this can applyfor any reservation including hotels, airlines, and in storeappointments. In store appointments are when a merchant and a user makean appointment via GobblinQ for a potential or specific purchase. Thespecificity of the restaurant can be provided by the GI concierge basedon the known location of the Gobble user, the Gobble user preferencesand/or requests, the Gobble user's location(s), the Gobble user'slifestyle (e.g., purchase history indicates dining experiences only atMichelin star restaurants, etc.), or other information.

In an embodiment, merchants are provided intelligence on Gobble users asa whole, subset group (based on age, profession, location, lifestyle,requests, etc.), and independently. For example, Gobble user A uses aGobble to purchase a flight with GobblinQ™ from New York City to LasVegas. The GI automatically sends to Gobble user A information regardingGobbles available for, e.g., restaurants of possible interest to Gobbleuser A based on Gobble user A's dining purchase history stored in theGI, and/or preferences, as well by providing a merchant's gobblesoffering (tier type and cashback payouts in order for a user to betterdecide where to book a reservation. A user can request such informationand/or gobbles for a specific purchase to the GI. The GI interacts withuse, and improves in its determination of gobble deployment based on thefurther information feedback.

Alternatively, or in addition to, the GI sends this information toGobble user A upon the user's request. Gobble user A sets a reservationat Steak restaurant A via the GI, or alerting the GI to the reservationby identifying a Gobble to be used or reserving with a guarantee via theGobblinQ™ account card or other means. The GI can then send, and/or theSteak restaurant A can request, the Gobble user A's preferences (e.g.,how steak should be prepared, allergies information, wine preferences,etc.). This sharing of information can provide for a more enjoyableGobble user experience and a subsequent good review for the Steakrestaurant A for anticipating or preparing for the needs of the user.Intelligence of the user and the merchant information is needed in orderto provide a better and more directed experience to both and retainbusiness through GobblinQ™.

In an embodiment of the present invention, if a merchant stops theaccount with GobblinQ™ the data and intelligence associated with thatmerchant will be lost by the merchant and remain exclusively withGobblinQ™. If a merchant ends its relationship with GobblinQ™, but thenrejoins within 12 months, all past data and intelligence associated withthat merchant can be re-associated with the merchant. This timeframe canbeen adjusted by the GobblinQ system, and can differ based on industryetc.

In an embodiment, a merchant A is informed that Gobble user A has apreference for and is a frequent customer of merchant A's product B.Accordingly, merchant A can use that marketing information and sendGobble(s) for a discount, cashback or other benefit, on product B toGobble user A, to increase sales and goodwill in a more directed manner.This directed marketing can save a merchant time, money, effort, andother, as well a save Gobble users not interested in merchant A'sproduct B time and efforts in not having to wade through unwanted Gobbleopportunities. In an embodiment, a merchant in addition, a merchant canset its parameters regarding its campaign with GobblinQ™, byestablishing when to send to a user an invitation Gobble of which tiertype and cash back percentages will be also determined by merchant inits campaign.

Example: user A. goes to merchant b, and user does not return tomerchant b within a preset time of 3 months from his last visit (aspreset by merchant in its campaign in GobblinQ™), so the “GI” manages tosend an invitation Gobble (Tier 1 or Tier 2) to user valid for a periodof time as define by GobblinQ™ parameters, in order to gain back user'sbusiness.

In an embodiment, Gobbles can be substantially more valuable based onmerchant's campaign on GobblinQ™: “example”: a restaurant offer tier 1Gobbles paying cash backs of 10%, Tier 2 20% and Tier 3 25% but if partyof minimum 5, then Tier 1 Gobbles will be paying cash backs of 15%, Tier2 of 25%, and Tier 3 of 35%

Example

In an embodiment, partner relationships are built by the GI. Forexample, Gobble user A spends $1000 on a high-end merchant(s) on amonthly or regular basis. This does not need to be only at a merchantand does not need to be on a regular basis. Gobble user B also spendssimilar amounts at high-end merchant(s) The GI runs a check on theGobble users to determine similarities in (similarities can be a varietyof things—not only amounts spent), type of merchants frequented, of suchpurchase activity. Based on a similarity of one or more of these orother factors, the GI sends an introduction to each of the Gobble usersidentifying a potential partner and requesting permission to connect thetwo via the app like on Facebook™ email/SMS/other digital method/throughthe GI interface only. Gobble user A and Gobble user B each agree to theGI to the partner connection. The GI updates the user profile for eachGobble user upon agreement to indicate they are partners. In the userprofile database, for example, the indicator can be a “partners” fieldidentifying the partner Gobble user unique identification (e.g., eachGobble user has a unique identification assigned to it by the GobbleXIntelligence registration module or app when registering to be a Gobbleuser). For example, in Gobble user A's profile having uniqueidentification 1A2345678901011121314151617 there is a link orassociation with a partners' database, or there is a partner's field inthe respective user profile database, which has a “yes” or “1” or otherindicator to indicate that Gobble user A is a partner with Gobble userB, and has an associated partner identification field which has Gobbleuser B's unique identification.

In an embodiment, partners are also created by the GI as follows:

User purchases a pair of shoes for $150.00 and receives a tier 1 Gobbleswith instant cash backs of 10% (or as preset by merchant according tothe minimum percentages allowed by GobblinQ™)=to $15.00. As soon as thepurchase is made, the user receives on the app a notification from the“GI™” that user received $15.00 cash back in addition to 3 Tier 2gobbles and 1 Tier 3 Gobble (or as defined by merchant—it can be up to 5Tier 2 Gobbles) which user can choose to send to a friend or a partneror if user does not act, the GI will handle for user.

An hour later or a day or a week later, user receives a notification onthe app in which user is notified that a “Gobbler” named entity X hasused one of user's Gobbles placed by the GI and generated for user 5%cask back on entity X purchase=to $10.00 available in cash in userGobblinQ™ account.

The “GI” informs simultaneously entity X that she received a Tier 2gobble generated by user “TOM” at the POS providing entity X with a 20%cash back=to $40.00.

At this point the “GI™” suggests to both users to stay connected onGobblinQ™ and become partners. The GI shall ask the authorization toeach user upon user's request to allow the GI to share each user'spreferences and general profiles at which time users can accept or deny.

When Gobble users are associated by the GI as “partners,” then a Gobbleuser can set preferences that available Gobbles of a type or certainLegion Buying Splash™ event(s) are sent to the applicable partner. TheLegion Buying Splash™ event can be launched by user or be joined by userwithout having a partner community. Partnerships maybe then proposed bythe GI as explained above, in addition but not limited to all otherintelligence. For example, a partners' share module in the GI receivesnotification from the Gobble user A profile that Gobbles of a certaintype or for a certain merchant type are available from the Gobble userA. The partners' share module then parses the partners' database or therespective partner's field to determine whether Gobble user A has apartner. If the partners' share module determines that Gobble user A andGobble user B are partners, then the partners' share module parses atleast one of: a partners' database indicating a common preference,lifestyle or other of the partners, and a Gobble user B profile databasefor preferences, lifestyle or other. Upon finding a common preference,for example, the partners' share module compares that common preferencewith the type of Gobble available to determine whether to automaticallyforward on the Gobble to the partner Gobble user B. If the comparisonresults in a yes or “1” or positive match, then the partners' sharemodule effects the transmission of the Gobble to the partner Gobble userB. The transmission can be executed by the partners' share module or bya separate module or deployment function called. In an exampleembodiment, a Legion Buying Splash™ event or other is the opportunity toshare instead of or in addition to the Gobble.

In an embodiment, Gobble user A can manually indicate that Gobble X orLegion Buying Splash™ event or other is forwarded or identified asavailable to partner Gobble user B.

Legion Buying Splash™ can be launched by users or also search and joinedby user based on recommendations of the “GI” calculated by the “GI”based on the intelligence on user and or specific requests of user.

Example: user wants to launch a Legion Buying Splash™ event to rent alimousine in Las Vegas on Mar. 20, 2015.

The “GI” provides all limousine companies accepting GobblinQ™ in LasVegas and having a Legion Buying Splash™ event, describing all theGobbles and cash backs payable based on attendency within 72 hoursperiod from the beginning of the event (events last 72 hours). User canchoose to join an existing event in which case the “GI” provide theamount of users already joined to allow user to consider best cash backspotential, including time remaining to join and make a purchase in eachspecific event.

If user determines there are no events user wants to join than user canlaunch a new event promoted by the “GI” in which case the “GI” will keepinformed user with amount of users joining the event and time remainingto make a purchase. The “GI” will perform the same notifications to allusers joining or launching a Legion Buying Splash™ event. In anembodiment, purchases at a Legion Buying Splash™ event can be madeonline or in store across the United States, depending upon themerchant.

In an embodiment, a Gobble or Legion Buying Splash™ event or other areavailable for limited time. For example, a merchant or user who releasesone or more Gobbles and/or Legion Buying Splash™ events can associate anavailability period for the specific Gobble and/or Legion Buying Splash™event. For example, merchant A releases five Gobbles for a 20% discounton typeX jewelry which become active or available the same day at. ALegion Buying Splash™ event will have a predetermined amount of time tomarket it by both the Gobble user and/or the GI™, and upon initiationwill have a predetermined amount of time before it expires. (withminimum days and or amounts defined by GobblinQ™ while merchant settingthe rest). For example, merchant a can decide or pre-decide that thegobbles, sent to a specific user for invitation upon expiration at 10p.m., are re-released to the GI or another with a new availability(Gobbles have a minimum time expiration as determined by GobblinQ™)

For example, Gobble user A purchases item A from merchant A. Gobble userA gets five Gobbles to share with partners, friends, others. Gobble userA alerts Gobble partner B that a Gobble for merchant A is available.Gobble user A manually assigns (or, pre-assigns, dynamically assigns,etc.) a time limit of 48 hours for Gobble partner A to respond and/ormake a purchase. Or, the GI can pre-assign or dynamically assign a timelimit for such response and/or purchase before the Gobble (e.g., doesnot expire) or is made available again to Gobble user A to be marketedand/or placed by the GI in a queue at the POS. Such other location canbe a database of available Gobbles for any Gobble user to parse via theGI search function and then use upon finding useful Gobble(s). In anembodiment, any and all Gobbles have a minimum expiration date definedby GobblinQ™ and a maximum expiration date will be present by themerchant according to its marketing campaign on GobblinQ™.

In an embodiment, when a Gobble made available by Gobble user A iseither used or the time to use by a partner and or by the GI or other isexpired, Gobble user A is alerted, e.g., by digital communication methodand on the app like on Twitter™ or Facebook™, such as an SMS or email orelectronic voicemail or update to an online accessible database. In anembodiment, when a Gobble is made available, used, and/or expired, themerchant who originally allowed for the issuance of the Gobble isalerted, e.g., by digital communication method such as an SMS or emailor electronic voicemail or update to an online accessible database.

In an embodiment, the Legion Buying Splash™ or Legion Buying Splash™ orother sales event at one or more merchants, s initiated by at least oneof the GI, GI administrator, merchant(s), and Gobble user(s). In anembodiment, Gobble user A sends, e.g., an SMS or email, to Gobble user Ba notification of a Legion Buying Splash™ event in New York City. In anembodiment of the present invention, users do not waste timecommunicating with few partners in order to launch an event—instead, theGI can handle this with the public at large based on other Gobble users'requests and preferences. in addition, a Gobble user can launch or joinan existing event. The notification on the app like on Facebook and orTwitter which is connected to a mobile phone and or email can be asimple text message, in which case if Gobble user B wants to join,Gobble user B needs to contact the GI to parse Gobble user A events orevents in New York City. The notification can be a link to the LegionBuying Splash™ event in New York City, which links to informationregarding the event (e.g., time, date, location, number of participants,etc.) and/or links to a web browser that, upon activating, associates aunique Legion Buying Splash™ identifier to the session for the Gobbleuser B. The notification can be a user interface or a link to a userinterface or an SMS or communication method which queries theparticipation of Gobble user B, e.g., queries “Do you want to joinLegion Buying Splash™ eventX at Merchant A in New York City by Gobbleuser A” for a “yes” or “no” response which then effects a generation (ifyes) of a link for purchase or information for an in-person purchase,effects a generation (if no) of a response (e.g., “Thank you. Maybe nexttime.”) to Gobble user B, and/or effects a generation of notification toGobble user A and/or Merchant A of the acceptance/decline of Gobble userB. In an embodiment, purchases can be made in store or online at thespecific merchant which may have and allow several of its stores toparticipate in the Legion Buying Splash™ event. Gobble user B canparticipate in the event online and make qualifying purchases via theweb browser. Or, Gobble user B can then participate in the event onlinevia an app or application on the Gobble user B's networked or WiFidevice. Or, Gobble user B can go to the merchant(s) involved in theLegion Buying Splash™ event in New York City, and make a qualifyingpurchase in person for that event. The in person qualifying purchase canbe affected by the merchant who scans or inputs the unique Legion BuyingSplash™ identifier at the point of sale.

In an embodiment, GI administrator contacts via email, SMS, onlineshared database, electronic voice call, or other communication means,various merchants requesting participation in a Legion Buying Splash™event. Each merchant can decide when to participate in the Legion BuyingSplash™ event and notify the GI by setting merchants cashbacks tier typegobbles, days, and stores in various locations. Or, for example,merchants can identify their participation in one or more Legion BuyingSplash™ events. Upon receiving one or more merchants' agreedparticipation, the GI administrator alerts either a subset of Gobbleusers based on their preferences, lifestyle, gender, geographicallocation, other, or all Gobble users about the “Black Friday” or otherLegion Buying Splash™ event. Each merchant participating is assigned aunique identifier which associates the merchant to the Legion BuyingSplash™ event offering. A time period of availability is identified inthe database associated with the unique identifier which associates themerchant to the Legion Buying Splash™. For example, Gobble user Areceives an SMS about a Legion Buying Splash™ “Black Friday” event. Auser can request to the GI for a specific type of merchant or store orservice or items when researching where to launch or find a LegionBuying Splash™ event in a city/state/country. Gobble user A activatesthe received link in the SMS to obtain information about the LegionBuying Splash™ event. Gobble user A is informed that the Legion BuyingSplash™ event is valid for purchases of X at a 20% discount at merchantA for the following 72 hours. If Gobble user A makes a qualifyingpurchase of X at merchant A during that 72 hours, then that Gobble userA's purchase qualifies for the 20% discount.

In an embodiment, each Gobble has a specific cashback based on theattendance of the Legion Buying Splash™ event, which will be notifiedwithin 24 hours after expiration. In an embodiment, a Legion BuyingSplash™ can be set to last whatever time period, e.g., 72 hours. Forexample, with 10 attendees, maybe 20% cashbacks are provided. In thissame scenario, 1000 attendees can provide 57% cashback to the Gobbleuser. Upon notification to user of the amount of attendees, the user isnotified by GobblinQ™ of the cashback amount paid to the user. Theamount of attendees will be available live on the app for user review atany time. The terms of the Gobbles to be issued upon a purchase in suchan event, and percentages of cashbacks payable will be provided to theuser before joining or launching such an event. In an embodiment, Gobbleuser A's purchase also effects the release of a specific number ofGobbles (Tier 1, 2, and/or 3). In an embodiment, if Gobble user B set upthe Legion Buying Splash™ event, Gobble user B can allow for the LegionBuying Splash™ event to be listed on an events listing or searchable(e.g., by other Gobble users) database in the GI. In an embodiment, ifGobble user B set up the Legion Buying Splash™ event, then for eachqualifying purchase by a Gobble user, Gobble user B get points, credits,increasing discount and/or cashback.

FIG. 14 shows different calculations for the system. A location scorecan be determined by dividing 1 by the distance of the user, forexample, by the number of miles or kilometers, from a user, as shown inbox 1401. Box 1402 describes a transaction match index, which can becalculated by dividing a number of merchant transactions matched by thetotal number of merchant transactions. Box 1403 describes a merchantlike index, which can be calculated by dividing a number of merchantlikes matched by the total number of merchant likes. Box 1404 describesan interest match index, which can be calculated by dividing theinterests matched by the total user interests.

FIG. 15 shows an embodiment of a user interface which can be used on amobile device, such as a mobile telephone, tablet, or mobile computer.Box 1501 shows an initial screen for a user to begin interaction withthe system. A user can log in using pre-existing credentials from othersocial media accounts, for example, Facebook, Google, twitter, andLinkedIn. A user can log in using an existing email account the user hasregistered. A user can register for a new account. The system can beaccessed via online and via mobile (e.g., smartphone).

A user may log in using their pre-registered email account and password.The user mobile device displays screen 1502, which allows the user toenter their log in information. The user enters their pre-registeredemail address and password. If the user has not pre-registered, the usercan select a ‘not registered?’ option, which returns to display 1501.Display 1502 can also include an arrow key which allows the user toreturn to display 1501.

When a user selects to register manually, the display shown in 1503 isdisplayed on the user mobile device. The user can enter in theirpersonal information, including but not limited to a first name, lastname, email address, zip code and/or postal code, birth date, andpassword. When the personal information is entered, the user can selectto register an account with GobblinQ. After registering, the screenreturns to display 1501, which the user can then log in to theirGobblinQ account described above.

When a user selects to log in using a pre-existing social media account,display 1504 is shown on the user mobile device. The display informs theuser that a GobblinQ account has been created, and the user can beginusing their account to earn cash back. The user can select to enterpayment information to link the GobblinQ account. When the paymentinformation is entered, the user can receive a GobblinQ debit cardand/or credit card to earn more credit.

FIG. 16 shows display 1601, which shows the menu screen of GobblinQaccount. For example, the display can include a search bar, to allowusers to search for a particular venue. The display can include popularbrands and/or venues in use. The display can include venues determinedto be nearby the user mobile device by GPS information on the mobiledevice. The display can include tabs for viewing user accountinformation. User account information can include balance information,alerts and/or notifications to new savings and deals, paymentinformation, venue information, Gobbles deals and information, partnersand/or suggested users to connect with, and user settings.

Display 1602 shows a user balance information. Balance information caninclude total expenditures, the number of Gobbles deals used, the numberof friends who have made purchases from received Gobbles deals,secondary earnings, and monthly earnings. The user can select totransfer earnings.

Display 1603 shows alerts and/or notifications for deals. The user canreceive notifications when other users connected to the user sends ortransfers money. The user can receive notifications of cash backreceived from purchases made at a venue. The user can receivenotifications of messages from other connected users. Other connectedusers are additional users who the user has connected to in theiraccount. The user can decide which other users to connect to, and remainunconnected to. The user can receive notifications of connectionrequests from other users. The user can receive notifications of offersfrom venues. The user can receive notifications when other connectedusers use an offer.

The notifications can be displayed in list form with basic informationabout the notification. The user can select a notification to display ascreen including all of the information. For example, the list candisplay a notification that a user receives a message from another user.When the user selects that notification, the display can show themessage from the user, allowing the user to send a message in response.

Display 1604 shows settings for the user account. The user can edittheir profile information. The user can manage their financial accountinformation. The user can select the settings receive notifications. Theuser can edit privacy settings. The user can select other social mediaaccounts to interact with. The user can also log out.

In an embodiment, the GobblinQ™ account can be linked to a credit cardof a Gobble user and/or checking account. In an embodiment, informationfrom a GobblinQ™ system Gobble user account can be transferred to andfrom the Gobble user's checking and/or credit card account. In anembodiment, information and/or money can be transferred electronicallybetween a Gobble user to a Gobble user GobblinQ™ account via a mobiletext and/or via email and/or via the software app.

FIG. 17 shows a transactions display on a user mobile device. Thetransactions display 1701 can include the date of the transaction, anidentification number associated with the transaction, a tier categoryof the transaction, the location of the transaction, the amount of thetransaction, and earned amount to the user of the transaction. Thisinformation can be displayed in list form, and the user can scrollthrough the list for an overview of the transactions. A user can selecta date range on display 1701, to show only transactions for selecteddates. The transactions list can be filtered and/or sorted by selectedcategories on display 1701. For example, these categories can includeshowing all transactions, showing transactions by partner, and by tiercategory. A user can select a transaction on the list of transactions.Display 1702 shows a detail view of the selected transaction. Forexample, the selected transaction can display graphic or textinformation of the venue where the transaction occurred. The display caninclude the date of the transaction, the transaction amount, theassociated account number (for example, the GobblinQ Card number), andany amount earned for the user from the transaction. The accountinformation can be shown securely, so that only end card information isvisible. The user can select to return to display 1701 to viewadditional transactions.

FIG. 18 shows a wall display on a mobile user device. Display 1801 showswall information, which can include activity and/or promotions ofvenues. A user can select venues of interest, so that only those venuesshow information on the wall display. The wall display can show activityof other connected users. The wall display can show that when a merchantand/or venue targets users for campaigns or promotions, the targeteduser will receive the offer on their wall. The user can scroll throughthe wall display to view the information. The wall display can be sortedand/or filtered. Filtering can include, but is not limited to, topstories, most recent, friends only, brands only. Filtering shows onlythe selected categories. For example, if a user selected friends only,the user will only see information of other connected users.

A wall display can be also be populated with system-determined merchantmatched based on selected preferences, locations, and purchasingactivity. Display 1802 allows a user to select preferences andinterests. For example, hashtags can include music, foodie, art,outdoors, dance, party, sports, cultural, comedy, beauty, film, clothes,and family. The hashtags can extend beyond display 1802, which includesa button to allow the user to select a ‘next’ display 1803. Display 1803can include additional hashtag options. Display 1803 can include moredetailed hashtag information. For example, if a user selects ‘music’ indisplay 1802, display 1803 can show genres of music, including rock,classical, hiphop, and country. Additional displays can be shown toaccommodate the hashtags of interest to a user.

As described above, a user can enter payment information, or GobblinQdebit card. In FIG. 19, display 1901 shows user information to mail thedebit card, including a user's address, apartment/suite, city, state,zip/postal code. The city, state, and zip/postal code can be pre-filledbased on the user's entered zip/postal code information at the time ofregistering the GobblinQ account. The user can select a next button.

Display 1902 is shown on the user mobile device, so that a user can linkexisting bank and/or credit card account information to the GobblinQaccount. The user can select the bank and/or credit card institutionfrom a drop down menu. The user can enter bank routing information andbank checking account information if linking to a bank checking account.If a user does not having routing and/or checking account information, ahelp option can be displayed with a question mark. The user can selectthe help option to receive help with routing and checking numbers. Abank savings account could also be used. A user can return to display1901 by selecting an arrow button on display 1902.

A user can select to enter a credit card. A user will enter the name ofthe person on the credit card, credit card number, security CVV code,and expiration date. The user can select that the billing address is thesame as the previously entered mailing address. The user can alsomanually enter different billing address information. A help optiondisplayed as a question mark can help users find the security CVV codeon their credit card.

When the information is entered for banking and/or credit card of theuser, the user can select the continue button. The system then verifiespayment information by connecting to a remote database or server.Display 1903 shows verification of account information. If a user hasentered incorrect and/or incomplete information, an error message can bedisplayed. The error message can state that “we were unable to verifyyour account information. Please ensure your information is enteredcorrectly and retry.” The user is returned to display 1902 to reenterinformation.

When the account information is successfully verified, display 1904 isshown. Display 1904 confirms that the user GobblinQ account is linked tothe entered payment account information. The user can also be informedthat a GobblinQ debit card will be mailed out in a specified time period(e.g., 48 hours). The user can be informed to activate the card whenreceived. When verification is successful, the user can then add moneyto their GobblinQ account.

FIG. 20 shows how a user can add monetary value to their account. Whenselecting “yes” from display 1904, display 2001 shows an option for theuser to add and/or transfer money to a GobblinQ account. For example,money can be transferred from the user GobblinQ account, a user bankchecking account, and/or a credit card account. Money can be transferredto a user GobblinQ account, a user GobblinQ friend (for example, anotherconnected user), or a non-GobblinQ friend (for example, a non-connecteduser).

If the user transfers money to another connected user, e.g., a GobblinQfriend/partner, the user can select to transfer money from the userGobblinQ account to a GobblinQ friend. When the user selects thisoption, a box can be displayed to allow the user to type in the friendname. The user can also enter in the amount to be transferred. Thefriend can receive a notification that monetary value has beentransferred to their account.

If the user transfers money to a non-GobblinQ user, a box can bedisplayed to allow the user to type in the email address and/or mobiletelephone number of the person. The system can determine whether theemail address/telephone number is associated with an existing GobblinQuser. The user can also enter in the amount to be transferred. When auser selects this option, an alert or confirmation box can be displayedin display 2004 to inform the user that transferring of funds to anon-GobblinQ user will result in a notification sent to the emailaddress/telephone number. The notification can include that requires thenon-GobblinQ user to create a GobblinQ account to receive the transferof funds.

When the user enters in the transfer information, display 2002 shows aconfirmation of the transfer. The information shown can include theaccount to be transferred from, the account to transfer to, and themonetary amount to transfer. The user can confirm the transfer. The usercan also cancel out of the transfer.

When the user confirms the transfer, display 2003 confirms that thetransfer was successful, and a notification to the other user has beensent.

FIG. 21 shows display screens including payment account information.Display 2101 can show a front of a credit card, which includes the nameon the credit card, the credit card type, the expiration date, and thecredit card number. The user can flip the card to display 2102, whichshows the back of the credit card, which can include the security CVVcode. The card can be used from the display 2101, 2102, for payment atvenues by electronically transferring payment information to NFC enabledpayment consoles. When payment is successful, an audio and/or visualconfirmation can be displayed. For example, a cash register sound can beemitted when payment is successfully received electronically.

Display 2103 can show an advertisement for a GobblinQ debit card. A usercan select to receive a debit card, which can be linked to additionaloffers. If a user does not have a GobblinQ debit card, an advertisementto receive a card can be displayed after a pre-set number of purchasesusing the digital card display 2101, 2102. For example, display 2103 canbe shown to a user after every third purchase using stored user paymentinformation.

As described above, the menu can include a partners tab, to connect withother users. FIG. 22 shows a partners list of the user, of otherconnected users. The user will receive notifications of these otherconnected users. The list of display 2201 can also show suggestedpartners. Suggested partners can be people who the user can be connectedwith on other social media accounts, such as Facebook, so that they canalso connect. The list of connected partners can also show through whichother social media account they connected from. For example, a user canbe connected with another user on twitter. When the users are connectedon GobblinQ, the connection can indicate that contact initiated viatwitter. The GobbleX can also suggest partners based on purchasehistory, similarity of interests, and location.

Display 2201 can also include a title bar so that the user can visuallysee the partners information. A search bar can be minimized and shownwith a graphic. If the user selects the graphic, the search bar can beexpanded to replace the title bar.

Partners can be sorted by social media connections, including mobiledevice contacts, Facebook, twitter, Instagram, and LinkedIn. Suggestedpartners can be sorted by interesting and/or popular, and invite. Forexample, a user can swipe the screen of the user mobile device left toright, to shift the display 2201 to show partners from the differentsocial media accounts. For example, display 2202 shows connections witha user twitter account. The user can decide which users to connect withby selecting a switch button next to the user name. For example,“Barbara Davis” is connected with the user, but “Barry Beans” is not. Ifa user has not connected other social media accounts, display 2205 givesthe user the option to link their account.

Display 2203 shows an invite, to allow a user to enter in email addressand/or telephone number information to another, inviting to connect withthem. The user can also type in a personalized message to be sent withthe invitation.

A user can also view another user's profile information beforerequesting to connect. Display 2204 shows another user profile. The userprofile can include a graphic selected by the user. The user profile caninclude the user name, personal information, interests, and favoritevenues. The user viewing the profile can request to connect by selectingan “add” button. The user can also select to send a private message tothe other user by selecting an “M” or message button. The user can thentype a personalized message to the other user. The other user willreceive notification of the personalized message.

As described above, the menu can include a venues tab, to connect withretail/merchant and/or commercial venues. Display 2301 can include asearch bar so that a user can type in a selected venue to connect.Display 2301 can include a list of popular venues and/or brands. Thiscan be displayed in list form, and/or graphic form. The list of popularvenues and/or brands can be scrolled through by a user left to right. Auser can select a popular venue and/or brand, which displays only storesunder that brand. Display 2301 can also include venues which aregeographically within a specified distance. This can be determined byGPS on a user mobile device with pre-existing venue locationinformation. The user can scroll vertically to view the nearby venues onthe user mobile device. The displayed venues can include a number ofGobbles available, which are deals and/or promotions available to theuser. The displayed venues can include category icons. Categories caninclude dining, entertaining, clothing groceries, furniture, recreation,department store, professional services, nightlife, auto, hotel, andtravel.

Display 2302 shows how a user can select types of venues and/or brandsto view. Display 2302 shows a city/state location based on the usermobile device GPS information. City/state information can be changed byentering in another city/state. Display 2302 shows a filtering button toselect one or more categories of venues. When the user selects thefiltering button, display 2303 shows top level categories. As describedabove, the user can select these categories, which are shown via iconson the venues and/or brands on display 2301. A user can select acategory, for example, dining. When the category is selected, display2304 can show secondary categories, for example, additional diningoptions. For example, the user can select one or more types ofrestaurants in the selected city/state. The city/state can also bechanged by selection on display 2304.

Display 2301 can also include a graphic which when selected, displays amap. Display 2305 is a map view of venues/brands nearby, based on theGPS location of the user mobile device. Nearby venues/brands aredisplayed on the map with markers. A location of the user mobile devicecan be displayed with a marker different then the venue marker(s).Display 2306 shows a selected venue marker. A venue marker can beselected to show a pop-up box displaying the venue name, address,distance from the user, and category icons.

FIG. 24 shows detail venue information. For example, display 2401includes a selected venue, the name and address at the top of thedisplay. The address, phone number, website, opening hours, andadditional information can be displayed as well. A user can select tofollow the venue, which would allow notifications of the venue to bedisplayed on a user wall. The location on a map can also be provided,along with a distance from a user mobile device based on the user mobiledevice GPS location system. The map can be shown partially, andexpandable upon selection, as shown in display 2405. Additionalinformation of the venue can be displayed, including an option to sharethe venue with other users. A user may also recommend the selectedvenue, by selecting a ‘recommend’ button, which can be shown by agraphic icon. A user can also receive detailed directions to the venuefrom the current location as determined by the user mobile device GPSlocation. When a user selects to receive directions, GobblinQ caninterface with the user mobile device existing map applications to showstep by step directions.

Display 2401 also includes a number of Gobbles of the venue. When a userselects the number displayed, display 2402 shows details of the Gobblesoffers. Gobbles offers can categorized into one or more tiers. Forexample, a first tier Gobbles includes a discount and/or offer to auser. For example, a user can receive a percentage of the purchaseamount back as award. The cash back can be added to the user GobblinQaccount. The Gobbles offer can include a time limit in which the offermust be redeemed. A user can claim the Gobbles offer by selecting theoffer.

A user can also view additional Gobbles offers from the same brand at adifferent venue. For example, display 2402 shows expanded Gobbles offersfor a first store location. A user can switch from display 2401 todisplay 2402/2403 by swiping left and right, so the selected screentitle is underlined. For example, display 2401 shows that “info” isunderlined, whereas display 2403 shows that “locations” is underlined. Auser can select a second store location, which may include the same ordifferent Gobbles offers from the first store location. When a userselects a store location, the Gobbles offers for the selected storelocation are shown. Display 2403 shows, for example, multiple storelocations for the same venue, each having Gobbles offers.

A user can also display user reviews of venues, as shown in display2404. A user can switch between displays 2401, 2402/2403, and 2404 byswiping left and right, so the selected screen title is underlined. Forexample, display 2404 shows that the star graphic, indicating userreviews, is underlined. Display 2404 shows user reviews with a starrating system. Users can also include personalized review information.The date of the review is also displayed. The reviews can be shown fullyand/or partially. A user can view additional review information byselecting a review.

Display 2401 can be shown, for example, when a user selects anotification of a Gobbles offer. The notification can be displayed onthe user wall.

As described above, the menu can include a Gobbles tab. When a userselects the Gobbles tab from display 1604, display 2501 is shown. TheGobbles tab can show a user's Gobbles offers, titled “My Gobbles.” Forexample, Gobbles offers can be shown in graphic form of the venues. Thetier category of the Gobbles offer can be displayed on the graphic ofthe venue. A time limit can also be displayed with the graphic of thevenue. For example, a first venue can be shown, indicating that it is afirst tier category. A countdown timer can also be shown. The countdowndisplays in hours until reaching 90 minutes. The countdown timer thenshows the countdown in minutes. For any Gobbles claimed from theGobbleX, there is an expiration of use, at which time, they go back tothe GobbleX. The GobbleX is a remote server or controller, where theuser can receive Gobbles offers from. Offers can be generated by theGobbleX based on agreements with venues and/or brands for targetedusers.

A second tier Gobbles offer can be a Gobbles offer gifted to the userfrom a partner, another connected user. When a partner user claims aGobbles offer, a second tier Gobbles offer can be generated. The partneruser can send the second tier Gobbles offer to the user. A second tierGobbles offer can also be generated when the user claims a Gobblesoffer. In embodiments, second tier Gobbles offers do not have a timelimit to be claimed. In embodiments, second tier Gobbles offers receivedfrom the GobbleX can include a time limit to be claimed.

When a user selects a Gobbles offer graphic icon in display 2501,display 2502 shows detail information of the selected Gobbles offer. Thevenue is shown, and any limitations to store locations related to theoffer are shown. The Gobbles offer, for example, a percentage of totalamount spent, is included in display 2502. A time limit, if one appliesto the selected Gobbles offer, is also included in display 2502. A userbar can be included in display 2502. The user bar can include a graphicicon to show locations of the selected Gobbles offer. The user canselect the icon to display locations. In an embodiment, the user canselect the icon to show the locations on a map.

The user bar can include a graphic icon to gift the selected Gobblesoffer to a partner (another connected user). A Gobbles offer can begifted to a partner when the Gobbles offer was earned through a userpurchase. A user can be limited from gifting a Gobbles offer gifted tothe user, or claimed from the GobbleX. The user bar can include agraphic icon to delete the selected Gobbles offer. When the user selectsthe trash icon to delete the selected Gobbles offer, a confirmation boxcan be displayed. Display 2504 asks the user to confirm that theselected Gobbles offer should be deleted. When the user confirms thedeletion of the selected Gobbles offer, the Gobbles offer returns to theGobbleX. The Gobbles offer can now be available for another user toclaim.

When a Gobbles offer can be gifted to a partner/friend, display 2503includes information for the user to enter. For example, the user canprovide the partner/friend's name, and include a personalized message.As an incentive, when a user sends a Gobbles offer as a gift, and thepartner user claims the Gobbles offer, the user can receive a percentageof the purchase amount back. When the user has entered thepartner/friend information, the user can send the gift. Thepartner/friend user receives a notification of the gift.

FIG. 26 shows an embodiment of Gobbles offers. Display 2601 includes anoption for a user to setup group purchases in a group purchase event. Agroup purchase event can provide cashback bonus offers for the userparticipants. For example, when a minimum amount of people (e.g., 10)join together in a group for purchases from a participating venue, thepercentage received back from the amount purchased can be higher thanfrom an individual Gobbles offer.

For example, when a user selects to participate in an event, display2602 shows existing group events. For example, a list of venue(s) can beshown, including the percentage back offer, the date range of the event,and the number of people participating in the event. There can be abutton to join the group event. When the user selects the group event tojoin, display 2605 includes the details of the offer. For example, thevenue is described, as well as the percentage cashback offer onpurchases. Any limitations to the offer can be shown as well.Limitations can also be described on another display. When a group eventhas ended, display 2607 notifies the user. For example, the display 2607can include a notification that the group buying event has ended. Thedisplay 2607 can include the total number of purchases made by allparticipants. The display 2607 can include the cashback offer the userreceived from joining the group. The display 2607 can include the totalamount received by the user from the cashback offer.

When a user selects to start an event on display 2601, display 2603 isshown. The user can enter information, including but not limited tomerchant/venue information, the date of the event, the target groupsize, and inviting other users to join the group. For example,merchant/venue information can be linked to a screen showing allparticipating merchants and what their offers are and any limits togroup size. The user can enter the desired date of the event. The targetgroup size can be the number of people needed for the additionalcashback offer. Invitations to other users of the created group eventcan be sent to the GobbleX for all users. Invitations to other users ofthe created group event can be sent to individual users to alertspecified people. When a user receives an invitation, an alert as shownin display 2604 can be received, informing the user of the group event,and the starting date and time of the group event.

At any given time, a user can view additional information of the groupevent. For example, when a user selects an offer from display 2602,display 2608 can show the name of the event, and the purchases made todate. The cashback offer can also be tiered, so that the percentagereceived increases with the number of people in the group, and/or thenumber of purchases made.

As described above in FIG. 16, the display 1604 can show a settings tabfor a user. Additionally, display 2701 of FIG. 27 can show settings. Forexample, a user can decide whether to connect the GobblinQ account tothe GPS location on the user mobile device. The user can select toreceive push notifications. The user can select to connect to othersocial media accounts, such as Facebook. If the user is connected to asocial media account, the user can select to display informationrelating to the GobblinQ account.

As described above with respect to FIG. 18, display 2702 shows one ormore interests for a user to select. Selecting interests allows theGobbleX to send Gobbles offers related to the selected interests. Forexample, interests such as music, comedy, film, beach, nerdy, and artcan be selected by the user to receive offers related to the selectedinterests. The display 2702 can extend to additional displays, forexample, 2703, and others, to accommodate the interests provided to auser for selection. A secondary display 2703 can be provided to showmore defined interests based on the user's first selections.

As described in FIG. 21, FIG. 28 shows a payment process. Near fieldcommunication (NFC) allows for data exchange of two devices by way oftouching or being within a close proximity to each other. For example, auser can use the GobblinQ account, which has stored payment accountinformation. Display 2801 shows an image of a credit card, including thenecessary information described in FIG. 21. When the user makes apurchase, the user mobile device can be brought to touch or nearly toucha payment console or point of sale (POS) terminal 2802. A radiofrequency (RF) field having a narrow range can be generated from theuser mobile device, which the terminal receives the data from the RFsignal. When payment has been successfully made, a display 2803 can beshown on the user mobile device.

FIG. 29 shows a dashboard view of a venue/merchant. Venues can monitorthrough the GobbleX Merchant Dashboard offers made to users to monitormarketing efforts. The merchant dashboard can include one or more chartsand/or tables for a variety of data points. For example, display 2900can show a dashboard including various information. A venue can limitdata to view by entering a date range. For example, a venue can view inchart form Gobbles offers used over time. A venue can view in chart formcashback rewards given to users over time. A venue can view the amountof Gobbles offers used by tiers. A venue can view whether the Gobblesoffers used were claimed online or offline. Marketing data can also beshown, including demographic information of the users of the Gobblesoffers. Demographic data can include, for example, sex, and agecategories. Demographics can include additional information, includingbut not limited to geographic location, store locations, and types ofgoods/services purchased. A venue can view information as to claimedGobbles offers from new customers, and claimed Gobbles offers fromreturning customers.

It should be appreciated that the present invention can be implementedin numerous ways, including as a process, an apparatus, a system, acomputer processor executing software instructions, or a computerreadable medium such as a non-transitory computer readable storagemedium, or a computer network wherein program instructions are sent overoptical or electronic communication or non-transitory links. It shouldbe noted that the order of the steps of disclosed processes can bealtered within the scope of the invention, as noted in the appendedclaims and in the description herein.

Although the foregoing invention has been described in some detail forpurposes of clarity of understanding, it will be apparent that certainchanges and modifications can be practiced within the scope of theappended claims. The present invention can be practiced according to theclaims and/or the embodiments without some or all of these specificdetails. Portions of the embodiments described herein can be used withor without each other and can be practiced in conjunction with a subsetof all of the described embodiments. For the purpose of clarity,technical material that is known in the technical fields related to theinvention has not been described in detail so that the present inventionis not unnecessarily obscured. It should be noted that there are manyalternative ways of implementing both the process and apparatus of thepresent invention. Accordingly, the present embodiments are to beconsidered as illustrative and not restrictive, and the invention is notto be limited to the details given herein, but can be modified withinthe scope and equivalents of the appended claims.

The computer processor and algorithm for conducting aspects of themethods of the present invention may be housed in devices that includedesktop computers, scientific instruments, hand-held devices, personaldigital assistants, phones, a non-transitory computer readable medium,and the like. The methods need not be carried out on a single processor.For example, one or more steps may be conducted on a first processor,while other steps are conducted on a second processor. The processorsmay be located in the same physical space or may be located distantly.In some such embodiments, multiple processors are linked over anelectronic communications network, such as the Internet. Preferredembodiments include processors associated with a display device forshowing the results of the methods to a user or users, outputtingresults as a video image and the processors may be directly orindirectly associated with information databases. As used herein, theterms processor, central processing unit, and CPU are usedinterchangeably and refer to a device that is able to read a programfrom a computer memory, e.g. ROM or other computer memory, and perform aset of steps according to the program. The terms computer memory andcomputer memory device refer to any storage media readable by a computerprocessor. Examples of computer memory include, but are not limited to,RAM, ROM, computer chips, digital video discs, compact discs, hard diskdrives and magnetic tape. Also, computer readable medium refers to anydevice or system for storing and providing information, e.g., data andinstructions, to a computer processor, DVDs, CDs, hard disk drives,magnetic tape and servers for streaming media over networks.

Embodiments of the present invention provide for accessing data obtainedvia a user's smartphone, smart device, tablet, iPad®, iWatch®, or otherdevice and transmit that information via a telecommunications, WiFi, orother network option to a location, or other device, processor, orcomputer which can capture or receive information and transmit thatinformation to a location. In an embodiment, the device is a portabledevice with connectivity to a network or a device or a processor.Embodiments of the present invention provide for a computer softwareapplication (or “app”) or other method or device which operates on adevice such as a portable device having connectivity to a communicationssystem to interface with a user to obtain specific data, push or allowfor a pull, of that specific data by a device such as a processor,server, or storage location. In embodiments, the server runs a computersoftware program to determine which data to use, and then transformsand/or interprets that data in a meaningful way.

Although the foregoing invention has been described in some detail forpurposes of clarity of understanding, it will be apparent that certainchanges and modifications can be practiced within the scope of theappended claims. The present invention can be practiced according to theclaims and/or the embodiments without some or all of these specificdetails. Portions of the embodiments described herein can be used withor without each other and can be practiced in conjunction with a subsetof all of the described embodiments. The various features of embodimentsdescribed can be used with and without each other, in variouscombinations. For the purpose of clarity, technical material that isknown in the technical fields related to the invention has not beendescribed in detail so that the present invention is not unnecessarilyobscured. It should be noted that there are many alternative ways ofimplementing both the process and apparatus of the present invention.Accordingly, the present embodiments are to be considered asillustrative and not restrictive, and the invention is not to be limitedto the details given herein, but can be modified within the scope andequivalents of the appended claims.

1. A system, comprising: a primary unit, having a unique identifier,being associated with a database field having discount information for amerchant, is transmitted to a user processor; a central controllerprocessor which controls disbursement of the primary unit and access tothe stored discount information associated with the primary unit, thecentral controller processor executing a software application totransmit the primary unit unique identifier to the user processor;wherein the primary unit unique identifier residing at the userprocessor includes threshold values including at least one of: anavailability period, a discount amount, a cashback amount, and alocation of availability, such that an entity enters the entity's uniqueidentifier code and enters a primary unit unique identifier into amerchant processor associated with a merchant, the merchant processortransmitting the primary unit unique identifier to the centralcontroller processor to inform that the associated discount informationshould be credited to an account associated with the entity for thevalue of the associated discount information, wherein when the purchaseidentifier associated with the primary unit is transmitted to thecentral controller, the central controller transmits that purchaseidentifier to a database field associated with the primary unit, thecentral controller then searches the database fields associated with theprimary unit for instructions regarding a secondary unit, and uponobtaining, transmitting the secondary unit to the user processor, andthe secondary unit having a unique identifier and being associated withat least one of a discount and a cashback information, wherein upon ause of the secondary unit, the discount information is applied to thepurchase and the cashback information is applied to the respectiveaccount associated with the entity.
 2. The system of claim 1, whereinthe user processor transmits the secondary unit to a second userprocessor.
 3. The system of claim 1, wherein the entity transmits atleast one secondary unit to a second entity, and when the second entityuses the at least one secondary unit, then a predetermined cashbackvalue is credited to the entity's account and a predetermined discountvalue is credited to the entity's account.
 4. The system of claim 3,wherein transmissions between the central controller processor and theentity is at least one of text, telephone, email, and other digitalmeans.
 5. The system of claim 4, wherein the discount is logged in adatabase, the primary unit having a unique identifier, the uniqueidentifier being associated with a discount entry field in a database 6.The system of claim 4, wherein the central controller processor executesan algorithmic relationship between entity features, in order totransform a numerical representation of the entity features into a valuefor comparison between at least two entities, wherein the larger valueentity receives a tertiary unit.
 7. The system of claim 1, wherein theprimary unit is considered used when the discount associated with theprimary unit is used.
 8. The system of claim 1, wherein the at least onesecondary unit has a unique identifier, the unique identifier beingassociated with a discount entry field in a database and a cashbackentry field
 9. The system of claim 1, wherein the central controllerprocessor is at least one of a mobile device, a smartphone, a computer,and a tablet.
 10. The system of claim 1, wherein the central controllerprocessor is configured to receive an event request from the userprocessor or the merchant processor, and in response to receiving theevent request, the central controller processor is configured to set upan event in which the merchant processor specifies at least one of asecond availability period, a second discount amount, and a secondcashback amount.
 11. The system of claim 10, wherein during the eventwhich is the second availability period, the entity enters the entity'sunique identifier code and enters a primary unit unique identifier intothe merchant processor associated with the merchant, the merchantprocessor transmitting the primary unit unique identifier to the centralcontroller processor to inform that the associated event discountinformation should be credited to the account associated with the entityfor the value of the associated event discount information.